Bank · FDIC insured
Seamen's Bank
A $478.5M bank headquartered in Provincetown, MA, with 5 branches in Massachusetts. Best rates: CDs 4.25% and savings 0.50% APY.
Seamen's Bank Carrot Score
73
Carrot Score
Higher than 33% of U.S. banks and credit unions
#5 of 11 in Barnstable Town, MA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Seamen's Bank
Established in 1851, Seamen's Bank is an independent, mutually owned community bank.
Headquartered on the Outer Cape in Provincetown, Massachusetts, the bank serves residents and businesses from Provincetown to Eastham and Dennis.
- Headquarters
- 221 Commercial St, Provincetown, MA 02657
- FDIC certificate
- 90268 ↗
Branches
5 branches in Massachusetts
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Massachusetts
5 branches
- Seamen's BankMain office221 Commercial St, Provincetown, MA 02657Directions
- North Eastham Branch4355 State Highway, North Eastham, MA 02651Directions
- North Truro Branch350 Route 6, North Truro, MA 02652Directions
- A & P Plaza Branch56 Shank Painter Rd, Provincetown, MA 02657Directions
- Wellfleet Branch2746 Sthy 6, Wellfleet, MA 02667Directions
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 | 12.57% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.76% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.60% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $90 | $81 | — |
- CapitalLeverage ratio12.57%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.76%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.60%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$90Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 Seamen's Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.