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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Provincetown, MA · FDIC certificate #90268
SEAMENS BANK is an FDIC-insured institution based in Provincetown, MA (FDIC certificate #90268). In its Q3 2026 Call Report it reported total assets of $505M, total deposits of $438M and net loans of $370M. Its primary federal regulator is FDIC.
Plain-language readout
SEAMENS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $505M in Q3 2026 and were lowest at $469M in Q1 2026.
Total deposits were highest at $438M in Q3 2026 and lowest at $405M in Q1 2026.
Over the whole period total assets rose 7.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $505M | $438M | $370M | 0.67% | 5.50% | 3.99% |
| Q2 2026 | $478M | $405M | $363M | 0.60% | 4.85% | 3.94% |
| Q1 2026 | $469M | $405M | $358M | 0.73% | 5.88% | 3.92% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $24.4M | $21.9M | +$2.5M | +11.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $75.8M | $75.5M | +$254K | +0.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $363.1M | $357.6M | +$5.5M | +1.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $10.6M | $10.3M | +$314K | +3.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.6M | $4.0M | +$603K | +15.0% |
| Total assets | $478.5M | $469.3M | +$9.2M | +2.0% |
| Liabilities | ||||
| Total deposits | $405.4M | $404.7M | +$667K | +0.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $14.0M | $6.0M | +$8.0M | +133.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $534K | $393K | +$141K | +35.9% |
| Total liabilities | $419.9M | $411.1M | +$8.8M | +2.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $59.0M | $58.5M | +$558K | +1.0% |
| Accumulated other comprehensive income | -$483K | -$281K | -$202K | -71.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $58.5M | $58.2M | +$356K | +0.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.8M | $1.2M | +$1.6M | +129.1% |
| Adjusted nonperforming assets | $2.8M | $1.2M | +$1.6M | +129.1% |
| Tangible equity plus allowance | $60.7M | $60.3M | +$352K | +0.6% |
| Texas ratio (gross) | 4.59% | 2.01% | +2.57 pts | See points |
| Texas ratio (adjusted) | 4.59% | 2.01% | +2.57 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.59% | 2.01% | +2.57 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.57% | 12.42% | +0.15 pts | See points |
| Construction and land loans to total capital | 11.15% | 14.61% | -3.47 pts | See points |
| Commercial real estate to total capital | 90.97% | 101.02% | -10.05 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.05% | -0.62% | -0.43 pts | See points |
| Liquidity | ||||
| Core deposits | $356.4M | $354.3M | +$2.2M | +0.6% |
| Non-core funding | $62.9M | $56.4M | +$6.5M | +11.5% |
| Loans to core deposits | 102.46% | 101.54% | +0.93 pts | See points |
| Loans to deposits | 90.10% | 88.88% | +1.21 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 25.70% | 26.68% | -0.98 pts | See points |
| Volatile liabilities | $62.9M | $56.4M | +$6.5M | +11.5% |
| Earnings | ||||
| Earnings before provision, year to date | $1.8M | $1.1M | +$693K | +63.2% |
| Earnings before provision, single quarter | $693K | $1.1M | -$404K | -36.8% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.74% | 5.66% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 3.45% | 2.72% | +0.73 pts | See points |
| Total interest income to average assets | 5.14% | 5.03% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.10% | 0.10% | -0.00 pts | See points |
| Cost of savings and money market deposits | 1.27% | 1.27% | +0.01 pts | See points |
| Cost of time deposits | 3.20% | 3.22% | -0.02 pts | See points |
| Total interest expense to average assets | 1.34% | 1.31% | +0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $505M | $438M | $370M | 0.67% | 5.50% | 3.99% |
| 2026-06-30 | $478M | $405M | $363M | 0.60% | 4.85% | 3.94% |
| 2026-03-31 | $469M | $405M | $358M | 0.73% | 5.88% | 3.92% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MA | $411.6M | 0.07% | 86 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.