Building the Future of Community Banking
Mission & Values
Enriching Lives. Our mission is simply stated, but there’s so much meaning behind it. We work each day to enrich the lives of those we serve – from supporting the financial health of our customers to helping to sustain the vibrancy and vitality of our communities to creating meaningful opportunities for our employees.
As we carry out our mission, Cape Cod 5’s values are ingrained in every aspect of our business and guide us in each interaction we have with our customers, employees and communities.
Integrity
Respect
Collaboration
Inclusivity
Care
Letter from the Chairman & CEO
The past year continued to bring change across the economic and financial landscape, shaped by evolving market conditions, rapid technological innovation and shifting expectations for financial institutions. In times like these, the role of trusted community banks remains as important as ever. Individuals, families and businesses depend on strong financial partners who understand their needs and remain committed to the long-term vitality of the communities they serve.
The past year continued to bring change across the economic and financial landscape, shaped by evolving market conditions, rapid technological innovation and shifting expectations for financial institutions. In times like these, the role of trusted community banks remains as important as ever. Consumers and businesses depend on strong financial partners who understand their needs and remain committed to the long-term vitality of the communities they serve.
At Cape Cod 5, our mission continues to guide everything we do. As a mutual financial institution, we are able to focus on building lasting relationships with our clients, supporting the vitality of our communities, and investing in our employees. This long-term perspective allows us to navigate change thoughtfully while remaining grounded in the values that have defined our institution for more than 170 years.
Our focus on clients remains at the heart of our work. Across our organization, our teams are dedicated to providing thoughtful guidance, responsive service and financial solutions that help individuals, families and businesses achieve their goals. By combining local expertise with enhanced tools and capabilities, we strive to ensure that our clients have access to the resources and support they need, backed by trust and personalized service.
Equally important is our commitment to the employees who carry out this mission every day. Their dedication, expertise and care are essential to the strength of our organization and the relationships we build with our clients and communities. By continuing to invest in professional development, collaboration and a supportive workplace culture, we are strengthening the team that makes our work possible.
Our commitment to community engagement remains central to who we are as an organization. At Cape Cod 5, our efforts come to life through our thoughtful and accessible banking products, our philanthropic and volunteer efforts, our advocacy and partnerships with community organizations, and our commitment to providing financial know-how that helps propel people forward in their financial journeys. In 2025, Cape Cod 5 and our charitable endowment continued to support organizations working to address housing, education, economic opportunity and other critical needs across our region. Together, these efforts reflect our ongoing commitment to helping build vibrant, resilient communities.
Our continued progress is also supported by the strength that we have established through our holding company, Mutual Bancorp. Cape Cod 5 has led the way in creating a structure that benefits our family of banks, including our ability to carry out our mission with shared expertise and resources that help us serve our clients more effectively, mitigate risk through diversification, and further invest in the future through enhanced financial strength. At the same time, our community banks remain rooted in the local markets we serve, maintaining the relationships and responsiveness that define community banking.
Together, these efforts help ensure that we remain well positioned to meet the evolving needs of our clients and communities. By combining the stability of a strong financial institution with the flexibility and collaboration enabled through Mutual Bancorp, we are able to continue strengthening our organization while preserving the community-focused approach that sets us apart. We look forward to officially welcoming Bluestone Bank to our family in 2026.
As we look ahead, we remain focused on building the future of community banking – one rooted in trusted relationships, responsible growth and a deep commitment to the communities we call home.
I would like to extend my sincere thanks to our clients, employees, community partners and trustees for their continued trust and support. Together, we are helping to build stronger communities and a stronger future.
The future of community banking begins with helping individuals and families build financial confidence and security.
At Cape Cod 5, we are committed to providing personalized guidance, thoughtful financial solutions, and convenient tools that support our clients at every stage of life.
Over the past year, we introduced new savings opportunities designed to help clients grow their balances while enhancing the digital and in-person experiences that make banking easier and more accessible. From everyday banking and homeownership to long-term financial planning, our team remains focused on helping individuals and families navigate their financial journeys with confidence and care.
Strengthening Our Local Economy
The future of community banking depends on the success of the local businesses that power our communities.
At Cape Cod 5, we work closely with business owners, operators, and entrepreneurs to understand their goals and provide financial solutions that support growth and long-term success. By combining local expertise with responsive service, we help businesses navigate an evolving economic landscape.
Over the past year, we expanded our focus on small business lending while enhancing the tools and services that help businesses manage their finances more efficiently. Upgrades to our Business Online Banking and Treasury Online Banking platforms, along with continued access to trusted advice and capital, help ensure our business clients have the resources they need to operate, grow, and contribute to the economic vitality of our region.
“I was looking for a local bank that offered reliable, in-house merchant services – and Cape Cod 5 delivered. From the moment I reached out, the process was seamless, and I was truly impressed by the level of service and support.”
- Peter L. Brown, President, Tiny & Sons Auto Glass Co.
“With stores in multiple towns across the region, our daily deposits are quick and efficient thanks to Cape Cod 5’s conveniently located Banking Centers. With their thoughtful guidance and support, we’re able to plan for seasonal needs while working towards our financial goals.”
- Allen Katzen, President, Soft as a Grape
“As a locally-owned business in the Outer Cape that is open year-round, I am so grateful for the support that Cape Cod 5 has offered me throughout the years. They were there when I needed them most, providing financing to complete a significant construction project to reopen my business, and their team continues to be accessible, trusted partners to me and my business. Merci beaucoup, Cape Cod 5!”
- Chef Philippe Rispoli, Chez Chloe Bistro
2025 Highlights
Building the future of community banking begins with investing in the people who bring our mission to life every day.
At Cape Cod 5, our employees deliver the expertise, care, and service that strengthen our client relationships and the communities we serve. Supporting our employees is essential to sustaining this work. We are committed to creating an environment where our team members feel valued and empowered to grow, with the resources and support needed to succeed.
Throughout the year, we continued expanding opportunities for professional development, leadership growth, and employee engagement. From enhanced training programs to new tools that support collaboration and knowledge sharing, these efforts have helped foster a strong workplace culture and contributed to our continued recognition as one of the nation’s best banks to work for.
"Cape Cod 5 is a place where people care deeply – about each other, our customers, and the communities we serve. Leadership promotes open communication, respect, and mentorship, which makes employees feel supported and empowered. The positive work environment, combined with flexibility and work-life balance, makes this a place where people want to stay and grow.”
- Cape Cod 5 Colleague
Community banking is built on a commitment to strengthening the places we call home.
At Cape Cod 5, we believe that building the future of community banking means investing in programs, partnerships, and initiatives that support the long-term vitality of our communities. Over the past year, we continued to expand our community engagement efforts through philanthropic giving, volunteerism, and partnerships with nonprofit organizations across our region. Our employees remained actively involved in local initiatives, while our charitable giving supported organizations working to address housing, education, economic opportunity, and other critical community needs. Through our efforts, we remain dedicated to helping build vibrant, resilient communities for generations to come.
"Being a community bank means our success is measured not just in financial performance, but in the strength and vitality of the communities we serve. At Cape Cod 5, we are proud to stand alongside our neighbors – supporting local organizations, investing in our region, and helping individuals and families thrive.
- Robert A. Talerman, President
Mutual Bancorp
Backing the strength of your community bank.
Mutual Bancorp is a financial service holding company that supports the operations and enables the missions for two community banks headquartered in Massachusetts: Cape Cod 5, headquartered in Hyannis, and Fidelity Bank, headquartered in Leominster. Together, our family of banks is committed to serving our respective clients and communities while ensuring a strong and successful future.
