Leading the Way
2021 ANNUAL REPORT 1
Message from the Chair & CEO
Dorothy A. Savarese Chair & CEO, Cape Cod 5
2021
was a unique year, filled with
contradictory dynamics. There were exciting strides in the return toward a degree of normalcy, with strong business demand and more confident consumers. At the same time, workforce and supply chain shortages began to exact a toll, and these, combined with the economic support provided to buoy Americans through the pandemic contributed to rising prices and the specter of inflation. The attractiveness of the real estate market in the Cape, Islands and Southeastern Massachusetts led to increasing prices and lack of inventory, intensifying preexisting challenges to housing accessibility in our region. And as we ended the year, we entered yet another wave of increasing Covid cases, exacerbating these headwinds. As a values-based community bank focused on innovation and building relationships, Cape Cod 5 has been there at every turn, leading the way for customers, community members and colleagues: providing advice and offering tools needed to help customers and business owners as they adapt in a continuously changing environment, supporting through all Five Ways of Engagement the health and vitality of our communities, focusing on health and safety first, serving as a responsible business and fostering a culture of respect, fairness and belonging. We continue to drive forward, building upon our One Bank approach and technological capabilities so as to offer our customers the greatest conveniences to bank how they want, while capitalizing on greater
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efficiencies to reinvest in our services, communities and team. We achieved many successes in our efforts to serve our customers, employees and communities in 2021, and strengthened our ability to continue doing so by our record levels of business line results and net profits during the year. Cape Cod 5’s talented and dedicated employees are the basis of and reason for our continued success as a leading and trusted financial advisor and business in our region. They are each partners in our mission and uphold the values of the institution. Almost daily, I receive messages, phone calls and letters from customers or members of the community sharing stories of how they have been delighted by the assistance and caring they’ve received from individuals on our team, in small or large ways, and during exciting or challenging moments in their lives. As an executive leadership team, we work to enhance our benefits to provide support for their well-being and individual and professional development. For example, we were proud to announce last year that all employees would annually receive four weeks of paid time off, regardless of tenure, and launched an employee homebuyer program. We continue to foster a nationally recognized company culture: one of respect, collaboration and innovation, and that celebrates diversity of all kinds and empowers all employees to bring their best, most authentic selves to everything they do.
Working together as One Bank, we achieved record earnings in 2021, including strong financial and business line results in all areas, including historic net income of $47.6 million, providing for a return on average assets of 1.05%. Total assets grew to $4.6 billion. Cape Cod 5 maintained its position as the top mortgage lender in our region, with $1.6 billion in residential and consumer loan volume. Commercial loans ended the year at $906.0 million. We’re proud to have helped more businesses in our market receive Paycheck Protection Program loans and forgiveness than any other lender. Deposits exceeded $4.0 billion for the first time, and our market share of FDICinsured deposits grew in almost every community we serve. Our Wealth Management Services business grew to $1.9 billion in total assets serviced, the largest of any firm headquartered on the Cape and Islands. Finally, our capital remains strong, well above the industry average both nationally and locally. As a mutual institution, Cape Cod 5’s financial strength enables efforts in all other areas, and there were significant strategic accomplishments throughout the year to improve the ways that we’re able to serve our customers, communities and employees, including:
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Rolled out Zelle® as a fast and convenient way for customers to send and receive money
•
Hosted several webinars to provide important financial know-how for our customers in many different points along their financial journey
“
•
aunched Autobooks as a convenient tool for L business customers that allows them to send invoices, accept payments and manage their cash flow right from our online and mobile banking platform
•
Named SBA’s #1 lender to women entrepreneurs in Massachusetts for 2021
•
Became an AARP BankSafe certified organization, specializing in the financial protection of older consumers
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Continued educating customers and community members about best practices in cybersecurity and how to keep themselves safe from fraud, while building on our own strong foundation to provide best-in-class protections
We at Cape Cod 5 take our role as active citizens very seriously, both at the corporate level and individually through our employees. We are committed to helping build strong, resilient and vibrant communities by utilizing all Five Ways of Engagement. We continue to look for new and innovative opportunities and work collaboratively with community partners to positively address and impact the evolving needs of our communities, while furthering efforts to serve as stewards of our environment, supporting sustainable practices for homeowners, businesses and community members. Continued on next page
As a values-based community bank, Cape Cod 5 has been there at every turn, leading the way for customers, community members and colleagues: providing advice and offering tools needed to help customers and business owners as they adapt in a continuously changing environment, supporting through all Five Ways of Engagement the health and vitality of our communities, focusing on health and safety first, serving as a responsible business and fostering a culture of respect, fairness and belonging.
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You may know this will be my last letter as CEO of Cape Cod 5, though I will remain Executive Chair until my retirement in May 2023. When I think back over the last 29 years, my time at the Bank, and especially since I was elected Chair & CEO in 2005, I see many things that look different — the size of the institution, which has more than doubled since I became CEO; the breadth of our service offerings, and the number of employees, which has grown to over 540. But I still see the same heartfelt dedication from everybody at Cape Cod 5 to enriching lives by serving customers on their financial journeys, helping to build strong and resilient communities and continuous improvement for the benefit of others. For example, in 2021:
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In May 2022, Matt Burke will become CEO and Bert Talerman will become President of Cape Cod 5, and I will continue on for a year in my role as Executive Chair of the Board. As Matt and Bert have been my colleagues for more than a decade and members of executive leadership team, I am confident that Cape Cod 5 will be in good hands, always driven by its values and mission. I have always considered myself a steward of Cape Cod 5, and am so pleased to be able to hand off leadership of this organization to a team that takes that responsibility as seriously. I am and will always be eternally grateful to have had the opportunity to be part of the extended family that makes up this organization.
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We launched a loan pool for private childcare providers to make necessary adjustments to reopen their facilities, so that these important resources were available to working families.
•
e joined the MA Business Coalition for Early W Childhood Education to lend our voice as advocates for the need for affordable quality education as a critical component for a strong economy.
•
We announced a partnership with EVERFI to make age-appropriate courses in financial education, diversity, equity and inclusion, and mental wellness accessible to local schools at no cost to them.
•
uring our second year offering Accessory Dwelling D Unit loans, which we were first in our market to offer, Cape Cod 5 helped create more housing in the region while also assisting homeowners in offsetting their housing costs through tenancy.
•
ur employees volunteered hundreds of hours to O support numerous causes, and 129 employees served in leadership roles for community organizations.
To the Board, Vice Chair, Corporators, Executive Management, Senior Leadership Team and all employees: it has been the privilege of my life to serve with you. To our customers: thank you for trusting us to help you reach your financial goals. To all those who call the unique and special communities on Cape Cod, Nantucket, Martha’s Vineyard and Southeastern Massachusetts “home”: I look forward to continuing to work together to make this region even more vibrant for generations to come.
•
recognized Top Charitable Contributor in the state, A Cape Cod 5 provided over $1.6 million in support through corporate sponsorships and Foundation grants to worthwhile causes in our region.
Dorothy A. Savarese
Message from the Incoming CEO
Matthew S. Burke, Incoming CEO, Cape Cod 5
I
am so honored to be named the next CEO of Cape Cod 5, and Dorothy has set a high standard as a servant leader who has helped all of us at the Bank grow as individuals and a team. Cape Cod 5 is an organization whose purpose and mission I have believed in since joining the Bank ten years ago, and I look forward to leading the institution in its next chapter. As a community bank, we have the opportunity to positively impact the lives of others, whether it is by assisting customers in managing their finances, serving as a trusted partner for growing and new businesses, helping homebuyers as they navigate a never-before-seen housing market, guiding clients as they prepare future generations for success, volunteering with the many community organizations providing critical support to neighbors or advocating and collaborating to find solutions to some of our community’s most pressing challenges.
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This is a privilege that I take very seriously, as I work closely with Dorothy, the Board, Bert, the leadership team and all of our employees to continue evolving and adapting to best meet the changing needs of all those we serve. Thank you for the opportunity to serve you.
Matthew S. Burke
We have the opportunity to positively impact the lives of others — whether it is by assisting customers in managing their finances, serving as a trusted partner for growing and new businesses, helping homebuyers as they navigate a never-before-seen housing market, guiding clients as they prepare future generations for success, volunteering with the many community organizations providing critical support to neighbors or advocating and collaborating to find solutions to some of our community’s most pressing challenges.
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2 02 1 AT A G L A N C E
167
Years Serving Our Communities
543
Employees
26
Locations
$4.6 Billion Assets
#1
Deposit Market Share in Barnstable County
$1.9 Billion Wealth Assets Serviced
$1.6 Million Charitable Giving
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Leading the Way
Data as of 12/31/2021
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Leading the Way for Financially Empowered Consumers and Businesses
At Cape Cod 5, our goal is to empower people on their financial journey. Whether you’re looking to grow or expand your business, make a move into a new home or leverage the equity in your existing home, or save for your next big life event, we’re here to help you get started or take that next step.
I&M
Best Bank 2021
“
#1
SBA Lender to Women Entreprenuers in Massachusetts for 2021
#1
Mortgage Market Share in the Bank’s Geographic Footprint
I think Cape Cod 5 is leading the way in a very big way in our community. They’re very immersed in our region as a solid business and also philanthropically. We go into the branch and people know our name. We know they’re always there and they’re going to be able to deliver what it is that we’re looking for—and that’s huge to us. — Daneen & Jim Law, Personal & Business Banking Customers
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FINANCING SOLUTIONS FOR TODAY’S ENVIRONMENT • Continued to offer Accessory Dwelling Unit (ADU)
financing options to help homeowners create additional value in their homes while also promoting cost-effective housing options for residents of our region.
• Introduced a Storm Preparedness Loan to assist
customers with boosting the resiliency of their homes from the hazards of unexpected weather.
• Expanded Solar Loan options to provide greater
flexibility for borrowers while encouraging energy efficiency in their homes.
#1 MassHousing Lender in Barnstable County for 17 consecutive years
Assisted Nearly 2,700 Local Businesses with Paycheck Protection Program (PPP) Loans and Forgiveness By offering PPP Loans, Cape Cod 5 helped more businesses in our communities access critical funding than any other lender in our area. Our team supported business customers through the entire process from applying and receiving funds to obtaining loan forgiveness.
$318.5 Million
in Total PPP Loans
Nearly
27,000
Regional Jobs Retained 9
Leading the Way
Continued Enhancements to Serving Customers In Person Developed plans, began renovation work and made updates at several Banking Centers as part of our efforts to improve in-person banking experience with Cape Cod 5. Implemented self-service appointment scheduling tool to assist customers in planning their Banking Center visits. Opened Wealth Management Office on Cape Cod 5’s campus on Route 132 in Hyannis.
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Cape Cod 5, to me, is a smalltown bank with a big heart. They listen to you, they streamline the process, and it’s stress free. I’m looking forward to working with Cape Cod 5 for all our financial needs and having a relationship with them for a long time. —Karen Shulman, Cape Cod 5 customer
”
for Financially Empowered Consumers and Businesses
NEW AND UPGRADED DIGITAL SOLUTIONS Made Upgrades to Payment Methods to Provide Greater Convenience As part of the Bank’s efforts to provide the latest technology, security and convenience, Cape Cod 5 introduced “tap to pay” functionality for its debit cards for quick and safe contactless payments. The Bank also implemented Zelle® to allow customers to pay those they know and trust right from their Cape Cod 5 account online or via mobile banking.
Offered New Tools and Resources for Small Businesses This included Autobooks, a suite of digital accounting and cash flow management tools to help businesses manage their invoicing and payments, available within Cape Cod 5 online and mobile banking.
Remained Committed to the Security and Peace of Mind of Our Customers For the second straight year, Cape Cod 5 was certified as an American Association of Retired Persons (AARP) BankSafe trained institution as part of our ongoing commitment to protecting older customers from fraud and exploitation. The Bank provided several cybersecurity and fraud prevention webinars and resources for customers and community members to help them keep their financial and personal information safe.
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Leading the Way Creating a Top Workplace Culture
Cape Cod 5 employees work together as One Bank to respond to the most immediate needs of those we serve. As a top employer in our region, we are committed to supporting the physical, emotional and intellectual well-being of all employees so that they may bring their best authentic selves to everything they do while working toward their personal and professional goals.
Best Overall Company to Work For
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Awarded as a Top Employer with Best-in-Class Team Our talented, dedicated employees continued to be recognized locally and nationally with awards that celebrate their achievements and commitment. Cape Cod 5 has consistently been acknowledged in our communities and in the industry for its best-in-class culture and team members.
IN THE WORDS OF OUR EMPLOYEES
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I love my job because I get to serve our local communities and help them meet their financial goals.
”
“
I feel supported in my position and that there is always opportunity for growth and continual learning.
”
“
Cape Cod 5 provides great benefits, a flexible work schedule, and consistent communication with all of us.
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Supported & Empowered Employees’ Ongoing Development We continued to encourage our employees’ lifelong learning and development through sponsored involvement in educational programs, tuition assistance for both undergraduate and graduate degrees and a student loan repayment program. We also supported job-related training, cross-functional development opportunities and employee mentorship programs in addition to continuing to offer an industry-leading internship program.
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Leading the Way Making a Difference in our Communities
At Cape Cod 5, being active community citizens is part of the fabric of our organization. We work collectively to help build and maintain strong, resilient and vibrant communities by utilizing what we call our Five Ways of Engagement: community banking, responsible business practices, corporate leadership and volunteerism, financial know-how and philanthropy. 5 AREAS OF FOCUS
Accessible Housing
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Education & Enrichment
Economic Sustainability
Community Health, Human Need & Active Service Members’/Veterans’ Needs
The team at Cape Cod 5 is as invested as we are in the success of our organization — both as a business and a nonprofit responding to the community’s needs. Cape Cod 5 truly leads the way in this community because they are a partner with their customers and their grant recipients, and their staff generously gives their time as volunteers and supporters of our work. — Lisa Guyon, Executive Director of WE CAN
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Environmental Stewardship
Committed to the Financial Wellness & Education of All Individuals
Advocated for Important Issues Facing our Communities Throughout 2021, Cape Cod 5 — as a corporate citizen as well as through the efforts of its employees — lent its voice as advocates for important issues affecting the health and well-being of its communities, including housing, early childhood education, financial literacy and more.
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Throughout the year, Cape Cod 5 continued its focus on the financial empowerment and literacy of all individuals — regardless of where they are on their life journey — adapting to include new delivery methods of its programs, often in collaboration with community organizations and partners.
Cape Cod 5 is leading the way through their holistic approach to supporting organizations in our region. We’ve looked to them for resources financially, for support, for friendship, for guidance and they’ve been at the table, ready to help whenever they can. — Emily Smalley, CEO of Calmer Choice
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Over
$1.6 Million Charitable Giving in 2021
129
Employees Serving on Boards of Community Organizations
Served & Volunteered as Community Leaders Cape Cod 5’s passionate employees dedicated their time, talents and resources in support of numerous community organizations and causes throughout the year.
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Leading the Way Toward a More Sustainable and Inclusive Future
In everything we do, we strive to create and foster a better, more equitable and vibrant future for our customers, communities and employees. This includes Cape Cod 5’s efforts towards environmental and social issues — being thoughtful stewards of our natural environment, celebrating diversity of all kinds and promoting inclusivity for of all individuals.
Continued Our Efforts in Support of Diversity, Equity and Inclusion We remained committed to nurturing and advancing a company culture of respect, belonging, inclusion and celebration of all types of diversity, while partnering and working with others who share in this mission to further progress in this area within our communities.
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HQ5 Awarded LEED Gold Cape Cod 5’s headquarters, which was designed to reflect the Bank’s commitment to environmental stewardship and utilized innovative green solutions in an effort to create a healthier workplace for our employees, was certified as Leadership in Energy and Environmental Design (LEED) Gold by the U.S. Green Building Council.
Enhanced “Green” Employee Programs & Customer Loan Programs The Bank continued to take measures to reduce its carbon footprint and promote environmentally sensitive practices as an organization and for our employees and communities. This included the introduction of an Electric Vehicle Incentive Program for employees and loan offerings for customers to help them with their home’s energy efficiency, as well as the Bank’s investment in solar arrays in our region.
$12 Million
MassSave HEAT Loans
$3.7 Million Solar Loans Funded
Supported & Collaborated with Environmentally Focused Community Organizations Cape Cod 5 supported — through all of its ways of engagement — numerous organizations and initiatives that share in the mission of furthering sustainability efforts, building the region’s climate resiliency, promoting green energy sources and protecting our natural environment.
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Employees Serving on Boards of Environmental Organizations 17
Leading the Way Because of Our Financial Strength
2021 FINANCIAL S Consolidated Balance Sheets* At December 31,
TOTAL ASSETS AT DECEMBER 31 (IN THOUSANDS) $5,000,000 $4,500,000 $4,000,000 $3,500,000 $3,000,000 $2,500,000 $2,000,000 $1,500,000 $1,000,000 $500,000 $0
ASSETS Cash and cash equivalents Investment securities
$367,1 62
$455,3 1 5
464,2 1 0
346,784
Loans: 2,647,649
2,296,488
Commercial real estate
738,24 1
70 1 ,8 1 5
Commercial and industrial
1 67,8 1 3
288,082
53,323
25,623
3,607,026
3,3 1 2,008
Residential real estate 2017
2018
2019
2020
2021
$6,000,000
Consumer Gross loans Allowance for loan losses
$2,000,000
2017
2018
2019
Portfolio
2020
2021
DEPOSITS AT DECEMBER 31 (IN THOUSANDS)
(28,855) 3,283,1 53
Other assets
200,0 1 4
1 93,947
Total assets
$4,6 1 5,224
$4,279,199
LIABILITIES AND RETAINED EARNINGS Deposits
Investors
(23,1 88) 3,583,838
Net loans
$4,000,000
$4,500,000 $4,000,000 $3,500,000 $3,000,000 $2,500,000 $2,000,000 $1,500,000 $1,000,000 $500,000 $0
2020
($ In Thousands)
LOANS AT DECEMBER 31 (IN THOUSANDS)
$0
2021
$4,097,1 52
$3,734,072
Wholesale funding
1 ,7 1 5
7 1 ,809
Subordinated debt
49,304
49,1 35
Other liabilities
3 1 ,290
32,485
4,1 79,46 1
3,887,50 1
435,763
39 1 ,698
$4,6 1 5,224
$4,279,1 99
Total liabilities Retained earnings Total liabilities and retained earnings 2017
2018
2019
2020
2021
* Unaudited; Includes The Cape Cod Five Cents Savings Bank and the Cape Cod Five Mutual Company.
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“
We achieved many successes in our efforts to serve our customers, employees and communities in 2021, and strengthened our ability to continue doing so by our record levels of business line results and net profits during the year.
”
Consolidated Income Statements* Years Ended December 31, 2021 Interest income Interest expense Net interest income Provision (credit) for loan losses
$1 35,049 (7,289) 1 27,760 (5,750)
$1 34,54 1 (1 8,26 1) 1 1 6,280 1 0,500
Net interest income after provision for loan losses
NET INCOME YEARS ENDED DECEMBER 31 (IN THOUSANDS)
2020
($ In Thousands)
1 33,5 1 0
1 05,780
Non-interest income
38,85 1
43,650
Operating expenses
(1 09,956)
(1 06,860)
62,405
42,570
(1 4,797)
(1 0,270)
$50,000 $40,000 $30,000 $20,000 $10,000 $0
Income before provision for income taxes Provision for income taxes Net Income
$47,608
$32,300
Superior rating by Bauer Financial based on Bank financial data
2017
2018
2019
2020
2021
CAPITAL AT DECEMBER 31 (IN THOUSANDS) $500,000 $400,000 $300,000 $200,000 $100,000
Performance Ratios*
$0
2017
2018
2019
2020
2021
Years Ended December 31, 2021
2020
($ In Thousands)
WEALTH MANAGEMENT SERVICES ASSETS AT DECEMBER 31 (IN THOUSANDS) $2,000,000
Return on average assets
1 .05%
0.82%
Net interest margin
2.98%
3. 1 5%
0.00%
0.00%
65.52%
65.96%
$500,000
0.86%
1 . 1 0%
$0
2.42%
2.70%
Net charge-offs (recoveries) to average loans Efficiency ratio Non-interest income to average assets Non-interest expense to average assets
$1,500,000 $1,000,000
2017
2018
2019
2020
2021
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Trustees/Directors
Dorothy A. Savarese Chair
Thomas M. Evans Vice Chair
Chester N. Lay
John C. Dawley
Bruce D. Miller
Karen L. Gardner
James A. Peterson
Paul E. Grover
Paul K. Rumul
John J. Judge
Daniel A. Wolf
Senior Leadership Team Top row: Executive Management Team
Dorothy A. Savarese
Matthew S. Burke
Emilie L. Bajorek
Paul R. Bernier
Stephen H. Johannessen Timothy F. Kelleher III
James C. O’Conor
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Robert A. Talerman
Andrea L. Ponte
Joel J. Brickman
Stephanie M. Dennehy
Laura E. Newstead
Vanessa L. Greene
Christopher E. Richards
Elizabeth S. Hammann
Richard J. Leonard
Jason R. Lilly
Christina L. Mallard
Kevin A. Mooney
Christopher W. Raber
Adrian M. Sullivan
Angelique K. Viamari
Taryn M. Wilson
Corporators Shawn J. Almeida
Diane Falla
David I. Oppenheim
Barbara Stone Amidon
John P. Farrell
Katherine Fulham Parcels
Charles L. Bardelis, Jr.
Steven R. Fedele
Joseph A. Pellegrino
Paul B. Bergquist
Melinda S. Gallant
James A. Peterson*
Anne Bailey Berman
Karen L. Gardner*
Laura Lorusso Peterson
Karen L. Bissonnette
Margaret A. Geist
Wayne D. Petty
Jitka Borowick
Paul E. Grover*
Melissa D. Philbrick
Patricia M. Bridier
Wendy R. Harman
John E. Pina
David A. Brown
Frank J. Harrison
Frederic B. Presbrey
Christine L. Bruno
G. Howard Hayes
Kurt E. Raber
Lyle B. Butts
William P. Hourihan, Jr.
Francie Randolph
Douglas M. Cabral
Joseph C. Jasie
John C. Ricotta
Howard C. Cahoon, Jr.
Christopher J. Joyce
John A. Roberts, III
Craig A. Canning
John J. Judge*
Mark H. Robinson
F. Timothy Carroll
Peter Karlson
Paul Rumul*
Carl F. Cavossa, Jr.
Chester N. Lay*
Brett A. Sanidas
Robert C. Chamberlain
James F. Leighton
Dorothy A. Savarese*
Olive M. Chase
Jo-Ann M. LeMoine
Judy Walden Scarafile
Jay H. Coburn
Geoffrey F. Lenk
Lisa F. Sherman
Jane M. Coderre
William G. Litchfield
Carol W. Sim
Lynn Comandich
Alan R. Long
John P. Simison
Geoghan Coogan
Nancy S. Lowery
Andrew L. Singer
Paul Covell
J. Bruce MacGregor
Patti Smith
Robert J. Crane, Jr.
Robert A. Maffei
Robert C. Smith
John C. Dawley*
George W. Malloy
Sidney H. Snow
Richard F. Delaney
Linda Ann Markham
Lawrence O. Spaulding, Jr.
Shawn DeLude
Brian C. McGrath
Harry S. Terkanian
Benjamin W. deRuyter
Christopher J. Megan
Todd G. Thayer
Penelope Dey
Bruce D. Miller*
James F. Trainor
David H. Doherty
Lida N. Miner
Christopher J. Ward
William A. Doherty, Jr.
Carey M. Murphy
Richard Waystack
Stephen L. Doyle
Lester J. Murphy, Jr.
John L. Whelan
Michael A. Dunning
Susan L. Nickerson
Seth Wilkinson
Charles E. Eastman, Jr.
Virginia Nickerson
Daniel A. Wolf*
Sheila O’Brien Egan
Joshua A. Nickerson, Jr.
Benjamin E. Zehnder
Thomas A. Eldredge
Mark J. Novota
George Zografos
Thomas M. Evans*
Stephen B. O’Brien, Jr. With gratitude to retiring Corporator Richard F. Delaney In memoriam of Corporator William Zammer, Jr.
* Indicates Trustee/Director
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BANKING CENTERS & ATMS Brewster 2745 Main St. Centerville 1620 Falmouth Rd. Chatham 548 Main St. Dennis 688 Main St. (off Route 134) East Harwich 129 Route 137 Eastham 75 Brackett Rd. Edgartown 238 EdgartownVineyard Haven Rd. Falmouth 668 Main St. Harwich Port 532 Main St.
CONTACT US Customer Service Center: 888-225-4636 customerservice@capecodfive.com
Hyannis Route 28 171 Falmouth Rd. Route 132 1550 Iyannough Rd.
Location details & hours are available at capecodfive.com/locations
Mashpee 10 North Market St. Nantucket Downtown Zero Main St. Mid Island 112 Pleasant St. Orleans 97 Cranberry Hwy.
LENDING & WEALTH MANAGEMENT OFFICES
TRUST & ASSET MANAGEMENT OFFICE
Marion 163 Front St.
Hyannis 1550 Iyannough Rd.
Plymouth 6 Resnik Rd., Ste. 115
Orleans 20 West Rd.
Vineyard Haven 13 Beach St. Ext.
CORPORATE HEADQUARTERS Hyannis 1500 Iyannough Rd.
NMLS #401717 Member FDIC Member DIF
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ADDITIONAL ATM LOCATIONS Barnstable Village 3239 Main St. North Falmouth 580B N. Falmouth Hwy. Plymouth The Pinehills 6 Purchase St. Yarmouth Port at Peterson’s Market 918 Route 6A
Plymouth The Pinehills One Village Green North, Ste. 111R Provincetown 137 Bradford St. Sandwich 85 Route 6A Vineyard Haven 412 State Rd. Wareham 10 Rosebrook Pl. Wellfleet 345 Main St. Yarmouth 514 Station Ave.