🏦Bank Scorer

SEAMEN'S BANK

PROVINCETOWN, MA · Supervised by FDIC

Est. 1851FDIC #90,268RSSD: FDIC-90268
Outstanding Same

Current rating · Exam: April 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.73%

Institution Profile

FDIC BankFind

Address

221 Commercial St, PROVINCETOWN, MA

County

Barnstable County

Established

April 14, 1851

Total Assets

$469M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$469M

Total Deposits

$405M

Net Loans

$358M

Net Income

$853K

ROA

0.73%

ROE

5.88%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.85%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$412M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410469.23%3.85%
202314369.23%9.09%
202212970.54%9.30%
202120277.72%9.90%
202030088.33%2.33%
201917878.65%5.62%
201822982.97%4.37%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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