BlastPoint's Banking Scorecard
Cambridge Savings Bank
Cambridge, MA
21 branches across MA
Cambridge Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.22% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 10.7% in tier
- - Liquidity Strain: Bottom 38.6% in tier
- - Return on Assets 1.05% below tier average
- - Efficiency Ratio 18.78% above tier average
- - Net Interest Margin 1.02% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.9B
+1.0% YoY
-0.4% QoQ
|
+$4.1B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
Top 7.5% in tier |
| Total Loans ? |
$5.7B
+0.8% YoY
+0.2% QoQ
|
+$3.7B |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
Top 4.4% in tier |
| Total Deposits ? |
$5.5B
+0.6% YoY
-1.0% QoQ
|
+$3.2B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
Top 8.1% in tier |
| Return on Assets ? |
0.32%
-13.4% YoY
-67.2% QoQ
|
-1.05% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.9% in tier |
| Net Interest Margin ? |
2.80%
+2.6% YoY
+0.9% QoQ
|
-1.02% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.9% in tier |
| Efficiency Ratio ? |
79.85%
+6.8% YoY
+30.7% QoQ
|
+18.78% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate ? |
0.67%
-6.1% YoY
-15.7% QoQ
|
-0.22% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
102.89%
+0.2% YoY
+1.2% QoQ
|
+18.68% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.68%
-4.6% YoY
+1.0% QoQ
|
-4.61% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.55%
-6.3% YoY
-15.2% QoQ
|
-0.12% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
41% |
| Tier 1 Capital Ratio ? |
12.85%
+9.8% YoY
+0.4% QoQ
|
-2.31% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.06%
+41.6% YoY
-93.2% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.6% in tier |
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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 (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.