Cambridge Savings Bank
Cambridge Savings Bank reported total assets of $7.0 bn at Q2 2026, up 0.9% on a year earlier, the 218th largest of 497 banks in our US coverage. The CET1 capital ratio at Cambridge Savings Bank was 12.63%, and the uninsured share of Cambridge Savings Bank was 29.26%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Cambridge Savings Bank slipped from 223rd to 401st among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Cambridge Savings Bank reports one of the lowest return on equity (ROE) readings among banks of $1 bn to $10 bn: 3.53% at , where the median of the 339 banks is 12.68% (FDIC Call Reports).
- The return on assets (ROA) of Cambridge Savings Bank, 0.36% at , places Cambridge Savings Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 1.32%; FDIC Call Reports).
What sets Cambridge Savings Bank apart
- Few banks of $1 bn to $10 bn report a higher loan-to-deposit ratio than Cambridge Savings Bank, at 107.71% in against a group median of 88.61%.
- Cambridge Savings Bank has one of the highest efficiency ratio readings among banks of $1 bn to $10 bn: 75.88% at , against a median of 56.87% across 339 banks.
- Since , Cambridge Savings Bank has taken over one institution; the latest was Melrose Bank on .
How large is Cambridge Savings Bank?
The balance sheet of Cambridge Savings Bank at : assets $7.0 bn, deposits $5.4 bn, net loans $5.8 bn (loans equal to 107.71% of deposits). Securities make up 10.7% of total assets at Cambridge Savings Bank. Since , when Cambridge Savings Bank held $3.2 bn, its assets grew 114.8%. In the year to , deposits at Cambridge Savings Bank fell 1.1% while its total assets rose 0.9%. At , Cambridge Savings Bank employed 506 full-time equivalent staff across 21 offices, about $13.8 mn of assets per employee and $254.8 mn of deposits per office.
How much funding at Cambridge Savings Bank is uninsured?
At Cambridge Savings Bank, uninsured deposits (above the FDIC limit) made up 29.26% of domestic deposits at (+0.83 pp on a year earlier); Cambridge Savings Bank ranks 325th of 500 on this measure. In dollars, Cambridge Savings Bank estimated $1.6 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.4 bn | -1.1% | 236th of 499 |
| Net loans and leases | $5.8 bn | +0.8% | 189th of 500 |
| Loan-to-deposit ratio | 107.71% | +2.04 pp | 23rd of 500 |
| Tier 1 leverage ratio | 10.25% | +0.78 pp | 263rd of 500 |
| Total risk-based capital ratio | 13.71% | +1.01 pp | 282nd of 448 |
| Net interest margin | 2.80% | +0.08 pp | 439th of 500 |
| Return on assets (ROA) | 0.36% | -0.11 pp | 482nd of 500 |
| Efficiency ratio | 75.88% | +2.11 pp | 468th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $2.7 mn | Widened by $2.5 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $29.7 mn | Narrowed by $5.1 mn | |
| Noncurrent loans to total loans | 1.26% | +0.78 pp | 401st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.09% | -0.45 pp | 250th of 500 (1 = lowest) |
US rank of Cambridge Savings Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Cambridge Savings Bank: assets, deposits and loans
- Total assets $7.0bn
- Deposits $5.4bn
- Net loans $5.8bn
Capital and securities
The CET1 ratio of Cambridge Savings Bank stood at 12.63% in , +0.89 pp year on year. Low and high at Cambridge Savings Bank since : 10.10% () to 12.83% (). Equity capital of Cambridge Savings Bank at : $711.6 mn, or 10.2% of total assets. Cambridge Savings Bank also reported a total capital ratio of 13.71% for , and a tier 1 leverage ratio of 10.25%.
On held-to-maturity securities, Cambridge Savings Bank carried an unrealized loss of $2.7 mn at , equal to 0.4% of equity capital. The loss widened by $2.5 mn over the year. Its deepest point: $12.8 mn in . The available-for-sale portfolio of Cambridge Savings Bank showed an unrealized loss of $29.7 mn at ; the loss narrowed by $5.1 mn over the year.
Cambridge Savings Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 10%
Cambridge Savings Bank: unrealized securities gains and losses
- Available for sale -$30mn
- Held to maturity -$3mn
Profitability and loan quality
For the year to , Cambridge Savings Bank earned a return on equity of 3.53%; return on assets: 0.36%. Net interest margin at Cambridge Savings Bank: 2.80%, +0.08 pp in a year. Cambridge Savings Bank net income: $12.5 mn, down 22.4% year on year. The efficiency ratio of Cambridge Savings Bank was 75.88%: about 76 cents cost per revenue dollar, against 51 cents at the median peer.
At , noncurrent loans were 1.26% of total loans at Cambridge Savings Bank; net charge-offs: 0.09% of average loans. Gross loans and leases at Cambridge Savings Bank: $5.8 bn, up 0.9% in a year.
Cambridge Savings Bank: profitability
- Return on equity 3.5%
- Net interest margin 2.8%
- Return on assets 0.4%
Peer group of Cambridge Savings Bank
The peer group of Cambridge Savings Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Cambridge Savings Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Massachusetts. Against them, Cambridge Savings Bank shows CET1 ratio 12.63% against a peer median of 13.72%, return on equity 3.53% against a peer median of 12.53% and uninsured deposit share 29.26% against a peer median of 28.35%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Johnson Bank | State member bank | WI | $7.1 bn | 15.62% | 10.61% | 49.03% | |
| Republic Bank & Trust Company | State nonmember bank | KY | $7.1 bn | 16.55% | 14.26% | 45.58% | |
| Mid Penn Bank | State nonmember bank | PA | $7.0 bn | 12.55% | 9.89% | 20.01% | |
| Cambridge Savings Bank | State nonmember bank | MA | $7.0 bn | 12.63% | 3.53% | 29.26% | |
| Community Trust Bank, Inc. | State member bank | KY | $6.9 bn | not reported | 12.47% | 29.60% | |
| The Camden National Bank | National bank | ME | $6.9 bn | 12.73% | 12.70% | 24.07% | |
| Old Second National Bank | National bank | IL | $6.9 bn | 13.72% | 12.59% | 27.10% | |
. FDIC Call Reports.
Last eight quarters
Two years at Cambridge Savings Bank, to : assets +0.1%, deposits -3.8%, equity +13.3%. Staff 482 to 506; offices 20 to 21.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $7.0 bn | $6.9 bn | $6.8 bn | $6.9 bn | $7.0 bn | $6.9 bn | $6.9 bn | $7.0 bn |
| Total deposits | $5.6 bn | $5.4 bn | $5.5 bn | $5.4 bn | $5.5 bn | $5.6 bn | $5.5 bn | $5.4 bn |
| Bank equity capital | $628.3 mn | $626.3 mn | $635.8 mn | $645.8 mn | $689.9 mn | $703.5 mn | $704.9 mn | $711.6 mn |
| CET1 ratio | 11.08% | 11.35% | 11.70% | 11.74% | 12.54% | 12.79% | 12.83% | 12.63% |
| Return on equity (ROE) | 3.72% | 3.95% | 3.99% | 5.05% | 11.55% | 10.14% | 3.12% | 3.53% |
| Uninsured share of domestic deposits | 28.16% | 28.45% | 28.37% | 28.43% | 29.98% | 29.15% | 29.16% | 29.26% |
| Full-time equivalent employees | 482 | 475 | 466 | 484 | 484 | 488 | 495 | 506 |
| Number of offices | 20 | 20 | 20 | 21 | 21 | 21 | 21 | 21 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Cambridge Savings Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Melrose Bank (FDIC certificate 26511).
Questions and identifiers
What were the total assets of Cambridge Savings Bank?
Cambridge Savings Bank reported $7.0 bn at in its Call Report. That makes Cambridge Savings Bank the 218th largest of 497 banks in our US coverage.
Is Cambridge Savings Bank the same as its holding company?
No. This page covers Cambridge Savings Bank, FDIC certificate 17870; CAMBRIDGE FINANCIAL GROUP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Cambridge Savings Bank profitable?
Cambridge Savings Bank reported net income of $12.5 mn for the year to ; annualized return on equity: 3.53%. So yes: Cambridge Savings Bank made a profit over these months.
When is data for Cambridge Savings Bank next updated?
Figures from Cambridge Savings Bank for are due after .
Where can I check the figures for Cambridge Savings Bank?
In the FDIC BankFind Suite record for certificate 17870, and in the Call Reports of Cambridge Savings Bank (RSSD ID 758703) at the FFIEC Central Data Repository.