Institution Profile
Address: 121 Main St Yarmouth Port, MA 02675
Website:
FDIC Profile:
Established:
1/1/1921
Branches:
11
Branches by Region
MA 11
Financial Overview
Total Assets
$1.67B
Total Deposits
$1.34B
Total Loans
$1.46B
Equity Capital
$157.71M
Employees
164
Allowance for Loan Losses
$9.81M
Performance Ratios
Net Worth Ratio
9.45%
Loan-to-Deposit Ratio
109.00%
Coverage Ratio
0.67% Allowance / Total Loans
Net Income
$7.77M
Return on Assets (ROA)
0.47%
Return on Equity (ROE)
5.07%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +73.94% Total Deposits: +62.68% Total Loans: +73.83% since 2020 Q1
Employee Growth
Employee Growth
Employees: +3.80% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$881.78M 60.5%
Commercial Real Estate
$361.18M 24.8%
Construction
$77.32M 5.3%
Other Consumer
$76.14M 5.2%
Commercial & Industrial
$42.85M 2.9%
Multifamily
$18.46M 1.3%
Portfolio Distribution
SBA 7(a) Loan Originations
Quarterly SBA origination activity and guaranteed exposure
SBA 7(a) Originations vs Cancellations per Quarter
Approved: -100.00% since 2020 Q1
SBA 7(a) Approved vs Guaranteed vs Cancelled Dollars
Approved: -100.00% Guaranteed: -100.00% since 2020 Q1
Net Income Trend
Net Income Trend
Net Income: +488.41% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $1.67B | $1.34B | $1.46B | $7.77M | 164 |
| 2025 Q3 | $1.67B | $1.40B | $1.43B | $5.43M | 162 |
| 2025 Q2 | $1.64B | $1.37B | $1.43B | $1.81M | 163 |
| 2025 Q1 | $1.62B | $1.37B | $1.40B | $942,000 | 170 |
| 2024 Q4 | $1.62B | $1.36B | $1.39B | $3.80M | 169 |
| 2024 Q3 | $1.60B | $1.31B | $1.39B | $2.74M | 167 |
| 2024 Q2 | $1.61B | $1.36B | $1.41B | $1.38M | 162 |
| 2024 Q1 | $1.60B | $1.32B | $1.39B | $741,000 | 158 |
| 2023 Q4 | $1.56B | $1.28B | $1.35B | $4.07M | 161 |
| 2023 Q3 | $1.52B | $1.31B | $1.31B | $3.30M | 163 |
| 2023 Q2 | $1.52B | $1.31B | $1.31B | $2.14M | 164 |
| 2023 Q1 | $1.49B | $1.27B | $1.28B | $1.18M | 161 |
| 2022 Q4 | $1.47B | $1.24B | $1.25B | $9.76M | 161 |
| 2022 Q3 | $1.42B | $1.25B | $1.14B | $7.17M | 157 |
| 2022 Q2 | $1.40B | $1.23B | $1.05B | $4.26M | 163 |
| 2022 Q1 | $1.38B | $1.22B | $990.12M | $1.86M | 163 |
| 2021 Q4 | $1.39B | $1.23B | $930.89M | $7.44M | 164 |
| 2021 Q3 | $1.33B | $1.20B | $880.87M | $5.51M | 159 |
| 2021 Q2 | $1.31B | $1.18B | $919.59M | $3.65M | 162 |
| 2021 Q1 | $1.22B | $1.09B | $947.37M | $1.88M | 159 |
| 2020 Q4 | $1.18B | $1.05B | $944.06M | $6.48M | 161 |
| 2020 Q3 | $1.13B | $986.36M | $929.24M | $4.51M | 159 |
| 2020 Q2 | $1.08B | $943.53M | $910.80M | $2.79M | 160 |
| 2020 Q1 | $959.53M | $822.15M | $838.64M | $1.32M | 158 |