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Cambridge Savings Bank

$1B-$10B Specialty: Commercial MA FDIC cert 17870

Cambridge, MA

21 branches across MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
  • Deposits -1.1% year over year ($5.4B on the books).
  • Delinquency rate 1.27%.
  • Return on assets 0.36%.
  • Efficiency ratio 75.88% vs a 59.73% peer average.
  • Loan-to-deposit ratio 107.71% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

Cambridge Savings Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 6.8% in tier
  • - Credit Risk Growth: Bottom 45.8% in tier
  • - Return on Assets 1.03% below tier average
  • - Net Interest Margin 1.07% below tier average
  • - Loan-to-Deposit Ratio 22.68% above tier average
  • - Efficiency Ratio 16.15% above tier average
Get updates when Cambridge Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $7.0B
+0.9% YoY +1.0% QoQ
+$4.2B $2.8B
-0.6% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
Top 6.7% in tier
Total Loans ? $5.8B
+0.8% YoY +1.5% QoQ
+$3.8B $2.0B
-0.3% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
Top 4.1% in tier
Total Deposits ? $5.4B
-1.1% YoY -3.0% QoQ
+$3.0B $2.3B
-0.5% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
Top 8.8% in tier
Return on Assets ? 0.36%
-23.1% YoY +13.0% QoQ
-1.03% 1.39%
+17.0% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 4.4% in tier
Net Interest Margin ? 2.80%
+3.1% YoY +0.1% QoQ
-1.07% 3.87%
+6.2% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 9.2% in tier
Efficiency Ratio ? 75.88%
+2.9% YoY -5.0% QoQ
+16.15% 59.73%
-12.6% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
Bottom 11.0% in tier
Delinquency Rate ? 1.27%
+163.0% YoY +34.2% QoQ
+0.40% 0.87%
+11.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
22%
Loan-to-Deposit Ratio ? 107.71%
+1.9% YoY +4.7% QoQ
+22.68% 85.04%
-0.1% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
Bottom 5.0% in tier
Non-Interest-Bearing Deposit Share ? 17.49%
-1.1% YoY +4.8% QoQ
-3.79% 21.27%
-1.5% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
37%
Nonperforming Asset Ratio ? 1.05%
+162.7% YoY +34.9% QoQ
+0.38% 0.67%
+11.7% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
21%
Tier 1 Capital Ratio ? 12.63%
+7.6% YoY -1.5% QoQ
-2.21% 14.84%
-0.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
43%
Non-Interest Income / Assets ? 0.14%
+16.2% YoY +144.3% QoQ
-0.38% 0.53%
+2.5% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
17%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 17.5%
-0.2pp YoY
+0.8pp QoQ
 -3.9pp 21.4% 16.2% 22.2% 36%
Brokered Deposits 4.4%
-0.6pp YoY
-0.6pp QoQ
 -5.0pp 9.5% 6.1% 8.5% 46%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 15.6%
+0.8pp YoY
-0.3pp QoQ
 +1.6pp 14.0% 6.5% 12.5% 69%
CRE 48.5%
-1.9pp YoY
-0.3pp QoQ
 -1.6pp 50.0% 40.3% 41.4% 45%
1-4 Family 36.7%
+1.3pp YoY
+0.7pp QoQ
 +10.3pp 26.4% 52.4% 31.3% 78%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 1.6% 5.0% 5%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 12.6%
+0.9pp YoY
-0.2pp QoQ
 -3.0pp 15.6% 16.6% 19.7% 35%
Leverage Ratio 10.2%
+0.8pp YoY
0.0pp QoQ
 -1.1pp 11.3% 11.5% 12.6% 44%
Total Capital Ratio 13.7%
+1.0pp YoY
-0.1pp QoQ
 -3.0pp 16.7% 17.5% 20.8% 34%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 506
+22 (+4.5%) YoY
+11 (+2.2%) QoQ
 +192 313 755 482 84%
Assets per Employee ($) $13.8M
-3.5% YoY
-1.2% QoQ
 +$3.3M $10.5M $10.7M $8.8M 86%
Branch Count 21
0 YoY
0 QoQ
 +1 20 13 18 68%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 1.3%
+0.8pp YoY
+0.3pp QoQ
 +0.4pp 0.8% 0.8% 1.0% 81%
Allowance Coverage 0.80x
-56.5% YoY
-20.2% QoQ
 -17.91x 18.71x 7.95x 20.23x 16%
Net Charge-off Rate (YTD) 0.1%
-0.4pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 64%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 3.5%
-1.5pp YoY
+0.4pp QoQ
 -9.1pp 12.6% 5.6% 11.6% 4%
Cost of Funds (YTD) 2.3%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.9% 2.0% 1.7% 78%
Net Income ($, YTD) $12.5M
-22.4% YoY
— QoQ
 -$6.8M $19.2M $31.7M $40.4M 50%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk
#12 of 162 • Bottom 6.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.36%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#185 of 402 • Bottom 45.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

37
Total Loans
size
Value: $5.76B
Peer Median: $1.96B
#37 of 885 Top 4.1% in $1B-$10B
60
Total Assets
size
Value: $6.98B
Peer Median: $2.79B
#60 of 885 Top 6.7% in $1B-$10B
79
Total Deposits
size
Value: $5.35B
Peer Median: $2.32B
#79 of 885 Top 8.8% in $1B-$10B

Top Weaknesses (7 metrics)

847
Return on Assets
profitability
Value: 0.36%
Peer Median: 1.39%
#847 of 885 Bottom 4.4% in $1B-$10B
842
Loan-to-Deposit Ratio
liquidity
Value: 107.71%
Peer Median: 85.04%
#842 of 885 Bottom 5.0% in $1B-$10B
805
Net Interest Margin
profitability
Value: 2.80%
Peer Median: 3.87%
#805 of 885 Bottom 9.2% in $1B-$10B
789
Efficiency Ratio
profitability
Value: 75.88%
Peer Median: 59.73%
#789 of 885 Bottom 11.0% in $1B-$10B
734
Non-Interest Income / Assets
revenue_mix
Value: 0.14%
Peer Median: 0.53%
#734 of 885 Bottom 17.2% in $1B-$10B
704
Nonperforming Asset Ratio
credit_quality
Value: 1.05%
Peer Median: 0.67%
#704 of 885 Bottom 20.6% in $1B-$10B
693
Delinquency Rate
credit_quality
Value: 1.27%
Peer Median: 0.87%
#693 of 882 Bottom 21.5% in $1B-$10B
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