BlastPoint's Banking Scorecard
East Cambridge Savings Bank
Designations: ✓ Community bank ✓ Mutual
Cambridge, MA
12 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 +4.7% year over year ($1.3B on the books).
- Delinquency rate 0.20%.
- Return on assets 0.38%.
- Efficiency ratio 81.42% vs a 59.73% peer average.
- Loan-to-deposit ratio 99.60% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
East Cambridge Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.1% in tier
- - Credit Risk Growth: Bottom 8.0% in tier
- - Efficiency Drag: Bottom 30.0% in tier
- - Liquidity Strain: Bottom 42.7% in tier
- - Return on Assets 1.02% below tier average
- - Net Interest Margin 1.27% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+3.5% YoY
-0.2% QoQ
|
-$1.1B |
$2.8B
-0.6% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
42% |
| Total Loans ? |
$1.3B
+4.1% YoY
+4.9% QoQ
|
-$628.9M |
$2.0B
-0.3% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
49% |
| Total Deposits ? |
$1.3B
+4.7% YoY
+0.0% QoQ
|
-$979.2M |
$2.3B
-0.5% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
0.38%
+25.7% YoY
+16.0% QoQ
|
-1.02% |
1.39%
+17.0% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
Bottom 5.0% in tier |
| Net Interest Margin ? |
2.61%
+11.2% YoY
+4.1% QoQ
|
-1.27% |
3.87%
+6.2% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 5.8% in tier |
| Efficiency Ratio ? |
81.42%
-2.4% YoY
-4.8% QoQ
|
+21.70% |
59.73%
-12.6% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 5.9% in tier |
| Delinquency Rate ? |
0.20%
+4.5% YoY
+40.2% QoQ
|
-0.66% |
0.87%
+11.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
99.60%
-0.6% YoY
+4.8% QoQ
|
+14.57% |
85.04%
-0.1% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
13.84%
+15.0% YoY
+3.0% QoQ
|
-7.43% |
21.27%
-1.5% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.16%
+1.1% YoY
+47.4% QoQ
|
-0.51% |
0.67%
+11.7% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
13.68%
-5.5% YoY
-5.0% QoQ
|
-1.16% |
14.84%
-0.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.18%
+19.4% YoY
+115.6% QoQ
|
-0.35% |
0.53%
+2.5% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
26% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
13.8%
+1.8pp YoY +0.4pp QoQ |
-7.5pp | 21.4% | 16.2% | 22.2% | 23% |
| Brokered Deposits | n/a | n/a | 9.5% | 6.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.3%
+0.3pp YoY -0.1pp QoQ |
-10.7pp | 14.0% | 6.5% | 12.5% | 11% |
| CRE |
37.8%
+1.8pp YoY +1.5pp QoQ |
-12.2pp | 50.0% | 40.3% | 41.4% | 20% |
| 1-4 Family |
58.8%
-2.0pp YoY -1.4pp QoQ |
+32.4pp | 26.4% | 52.4% | 31.3% | 94% |
| Consumer |
0.7%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.7% | 1.6% | 5.0% | 36% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.7%
-0.8pp YoY -0.7pp QoQ |
-1.9pp | 15.6% | 16.6% | 19.7% | 53% |
| Leverage Ratio |
9.7%
+0.2pp YoY +0.2pp QoQ |
-1.6pp | 11.3% | 11.5% | 12.6% | 28% |
| Total Capital Ratio |
14.4%
-0.9pp YoY -0.7pp QoQ |
-2.3pp | 16.7% | 17.5% | 20.8% | 45% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
153
-2 (-1.3%) YoY 0 QoQ |
-161 | 313 | 755 | 482 | 23% |
| Assets per Employee ($) |
$10.9M
+4.9% YoY -0.2% QoQ |
+$399K | $10.5M | $10.7M | $8.8M | 71% |
| Branch Count |
12
0 YoY 0 QoQ |
-8 | 20 | 13 | 18 | 39% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY +0.1pp QoQ |
-0.6pp | 0.8% | 0.8% | 1.0% | 22% |
| Allowance Coverage |
2.92x
-8.5% YoY -28.9% QoQ |
-15.79x | 18.71x | 7.95x | 20.23x | 62% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.0%
+0.7pp YoY +0.5pp QoQ |
-8.6pp | 12.6% | 5.6% | 11.6% | 5% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 2.0% | 1.7% | 63% |
| Net Income ($, YTD) |
$3.1M
+28.3% YoY — QoQ |
-$16.1M | $19.2M | $31.7M | $40.4M | 6% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
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.