Bank · FDIC insured
Cape Cod 5
Top CarrotA $5.6B bank, the 257th largest of 4,207, headquartered in Hyannis, MA, with 22 branches in Massachusetts. Best rates: savings 2.75% APY.
Cape Cod 5 Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#3 of 11 in Barnstable Town, MA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Cape Cod 5
Founded in 1855, Cape Cod 5 is a mutual institution with locations throughout Cape Cod, Nantucket, Martha’s Vineyard, and Southeastern Massachusetts.
The bank is a subsidiary of Mutual Bancorp, a multi-bank holding company headquartered in Hyannis, Massachusetts.
- Headquarters
- 1500 Iyannough Rd, Hyannis, MA 02601
- FDIC certificate
- 23287 ↗
Branches
22 branches in Massachusetts
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Massachusetts
22 branches
Barnstable Town area · 16
- Brewster Branch2745 Main St, Brewster, MA 02631Directions
- Centerville Branch1620 Falmouth Rd, Centerville, MA 02632Directions
- Chatham Branch548 Main St, Chatham, MA 02633Directions
- East Harwich Branch129 Route 137, East Harwich, MA 02645Directions
- Falmouth Branch668 Main St, Falmouth, MA 02540Directions
- Harwich Port Branch532 Main St, Harwich Port, MA 02646Directions
- Hyannis Branch171 Falmouth Rd, Hyannis, MA 02601Directions
- Hyannis Branch Office1550 Iyannough Rd, Hyannis, MA 02601Directions
- Mashpee Branch10 N Market St, Mashpee, MA 02649Directions
- North Eastham Branch75 Brackett Road, North Eastham, MA 02651Directions
- Orleans Branch28 South Orleans Road, Orleans, MA 02653Directions
- Provincetown Branch Office137 Bradford St, Provincetown, MA 02657Directions
- Sandwich Branch85 Route 6a, Sandwich, MA 02563Directions
- South Dennis Branch688 Main St, South Dennis, MA 02660Directions
- Yarmouth Branch514 Station Ave, South Yarmouth, MA 02664Directions
- Wellfleet Branch345 Main St, Wellfleet, MA 02667Directions
Boston area · 3
- Pinehills Plymouth Branch15 Village Grn S, Plymouth, MA 02360Directions
- Plymouth Branch Office17 Commerce Way, Plymouth, MA 02360Directions
- Wareham Branch10 Rosebrook Pl, Wareham, MA 02571Directions
Nantucket area · 2
- Main Street Nantucket Branch0 Main St, Nantucket, MA 02554Directions
- Nantucket Branch112 Pleasant St, Nantucket, MA 02554Directions
Vineyard Haven area · 1
- Martha'S Vineyard Branch412 State Rd, Vineyard Haven, MA 02568Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.11% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.47% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.74% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $96 | $88 | — |
- CapitalLeverage ratio11.11%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.47%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.74%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$96Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Cape Cod 5 are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.