EAST CAMBRIDGE SAVINGS BANK

CAMBRIDGE, MA | Large | Est. April 2, 1854, midnight | FDIC #90173 | RSSD #738303 | FED
Latest Report: 2025-12-31

EAST CAMBRIDGE SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in CAMBRIDGE, MA, established in April 2, 1854, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.3B. Profitability stands at 0.43% ROA and 4.59% ROE, with a net interest margin of 2.52%. The bank's CET1 capital ratio is 14.13%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 1.04%. FDIC Certificate #90173.

Assets

$1.6B

Deposits

$1.3B

Loans

$1.3B

Equity

$154M

Profitability

Return on Assets (ROA) 0.43%
Return on Equity (ROE) 4.59%
Net Interest Margin (NIM) 2.52%
Yield on Assets 4.86%
Cost of Funds 2.67%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.04%
NPA Ratio 0.10%
ACL / Loans 0.59%

Capital & Liquidity

CET1 Ratio 14.13%
Tier 1 Capital 14.13%
Total Capital Ratio 14.86%
Leverage Ratio 9.53%
Loan-to-Deposit 98.74%

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