When they say they’re part of a community bank, the people from Seamen’s aren’t kidding. Founded 10 years before the start of the American Civil War, Seamen’s now has five convenient branches plus a dedicated loan center, serving the Lower/Outer Cape. “With bigger banks, you’re dealing with the Wizard of Oz,” says Nikki Rickard, residential development & loan originator. “You don’t know what’s going on behind the curtain. Here, we know everyone involved in every transaction, which means we’re better able to serve the community.”

Trevor McCarthy, Provincetown branch manager and business development officer, agrees. “I started out at a community bank, then tested the waters at a larger commercial bank. I’ve happily returned to my roots of community banking. There’s such a difference. Here, you’re not a number. At Seamen’s, it’s banking about people.”

It’s also about the world in which people live. Seamen’s has a history of commitment to the environment, families, sustainability, and accessibility.

Talking to McCarthy, Rickard, and Beth Curtin, vice president in Seamen’s commercial loan department, it’s clear all three are passionate about their work and the choices they’ve made. “I love our niche as the true community bank,” says Curtin. “We’re just the right size. If you get big, you lose the one-on-one touch. At Seamen’s Bank, it’s local people making local decisions. We don’t have a box that anyone has to fit into.”

That dual emphasis—having a local focus along with offering relationship banking—is intrinsic to Seamen’s Bank’s longevity and success. From its origins as a mutual savings bank catering to the small saver and average worker, Seamen’s has been committed to the community through meeting the needs of local individuals and businesses, reinvesting deposits for the health and growth of the Outer Cape, and timely, nimble decision-making.

That flexibility shows in what they’re willing to do. Rickard, who originates residential mortgage loans, meets clients at their convenience, in their homes, offices, or at any Seamen’s Bank location, at the times most convenient to them. “It’s wonderful to be able to respond to our customers quickly and to know that the decisions are made here with the customers’ best interests at heart,” says Rickard.

“John Roderick, our president, could have his office on the second floor overlooking the harbor,” Curtin points out. “Instead, he’s right off the lobby. His door is always open. Anyone can go in and talk to him.” Try that at a larger bank!

The local decisions are informed by local involvement. “The Seamen’s Bank staff can be found serving non-profit and cultural organizations throughout the Lower Cape,” says McCarthy. “It’s part of our commitment to our community.” McCarthy is on the board of the Economic Development Committee in Provincetown. Curtin is slated to become a Provincetown Business Guild board member and excited to begin volunteering at the Provincetown soup kitchen. You’ll find Rickard helping at HOW (Helping our Women) events as well as working behind the scenes.

Through the Long Point Charitable Foundation, Seamen’s is also a major financial donor to worthy organizations throughout the area. In this region dedicated to the arts, Seamen’s Bank’s presence is evident in support of the Provincetown Art Association and Museum, Fine Arts Work Center, Payomet Performing Arts Center, Wellfleet Harbor Actors Theater, Harbor Stage Company, Wellfleet Preservation Hall, and Tennessee Williams and Provincetown film festivals.

In addition to helping customers at Seamen’s Bank and aiding the community in various ways, these three have a diversity of talents and interests. McCarthy is a film buff; Rickard is a gourmet cook and ace poker player; and Curtin is remodeling her new home in Provincetown.

Seamen’s Bank has offices on Commercial Street and Shank Painter Road in Provincetown, and on Route 6 in North Truro, Wellfleet, and Eastham. Stop in any time; they’d love to see you.

More information is available at seamensbank.com.

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