Cape Cod Five Cents Sb: Bank Stress & Real-Estate Credit Exposure

Bank stress at Cape Cod Five Cents Sb (FDIC Cert #23287) registers 74/100 on DLRadar's scale — a elevated reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Its lending reaches counties such as Barnstable County, MA, Plymouth County, MA, Dukes County, MA, Nantucket County, MA, each tied back to DLRadar's distress signals. Read against its 4-county reach, a elevated score sets the credit tone for every market on its map. Because Cape Cod Five Cents Sb is held under Mutual Bcorp, its financials are open to scrutiny and its trend can be independently checked. Because Cape Cod Five Cents Sb is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 74/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Its footprint is compact and single-state: 92 ZIP codes in 4 counties over 1 states. Its heaviest exposure sits in Massachusetts (4 counties). Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. DLRadar does not model Cape Cod Five Cents Sb in isolation: the 92-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Cape Cod Five Cents Sb's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Cape Cod Five Cents Sb tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.