Cambridge Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Cambridge Savings Bank is an FDIC-insured commercial bank headquartered in Cambridge, MA, established in 1834 (FDIC certificate 17870), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $6.98B, up 0.9% from Q2 2025, the 7th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 12.63% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17870
- Headquarters
- Cambridge, MA
- Established
- 1834
- Total assets, Q2 2026
- $6.98B
- Assets vs Q2 2025
- +0.9%
- CET1 ratio, Q2 2026
- 12.63%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 211371120
- Latest call report
- Q2 2026, FFIEC 041 · Cambridge Savings Bank call report
- Holding company
- CAMBRIDGE FINANCIAL GROUP, INC.
- Asset rank in state
- 7th of 89 in Massachusetts
Problem loans are rising at Cambridge Savings Bank. It reported $7.0 billion in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.19% of loans from 0.41% a year earlier. It earns about $0.40 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 2.79 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
The non-owner-occupied commercial real estate book ($1.9 billion) is worsening: 2.88% of it is past due or on nonaccrual, up from 0.91% a year earlier. Net income for the quarter slipped 29% from a year earlier, to $7.0 million. Concentration is the risk to watch: it holds commercial real estate loans worth 3.5 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Cambridge Savings Bank reported a CET1 capital ratio of 12.63%, a return on assets of 0.40%, a nonperforming-loan ratio of 1.26% and a Texas ratio of 9.24%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Cambridge Savings Bank is the 7th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $6.98B, loans rose 1.6% and deposits fell 3.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.4% of total loans, followed by non-owner-occupied commercial real estate loans at 32.7%. The FDIC Summary of Deposits lists 21 offices for it, in 14 cities in MA; its Cambridge 4 offices book 36% of its branch deposits. On its Q2 2026 call report, Cambridge Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1374 Massachusetts Ave, Cambridge, MA 02138
- County
- Middlesex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 2, 1834
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 506
- Domestic deposits
- $5.35B
- Allowance for credit losses
- $58.3M
- Net charge-offs (YTD)
- $2.5M
- Average total assets
- $6.98B
- Average total loans
- $5.78B
- Average interest-bearing deposits
- $4.52B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 2, 1958
- FDIC Cert
- 17870
- Fed RSSD
- 758703
- Website
- www.cambridgesavings.com →
- Parent Holding Company
- CAMBRIDGE FINANCIAL GROUP, INC. (RSSD 2687795)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Cambridge Savings Bank's total assets moved between a low of $6.84B (Q1 2025) and a high of $7.08B (Q2 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.98B total assets against $6.92B; $6.27B total liabilities against $6.27B.
$5.76B net loans and leases against $5.72B; $5.35B total deposits against $5.41B.
$748.7M securities against $718.9M; $105.2M cash and balances due against $97.3M.
$84.1M total interest income against $84.4M; $38.0M total interest expense against $40.5M.
$46.1M net interest income against $43.9M.
$5.9M total noninterest income against $5.7M; $37.5M total noninterest expense against $36.1M.
$7.4M provision for credit losses against $1.4M.
$7.0M net income against $9.8M.
0.40% return on assets against 0.57%; 2.79% net interest margin against 2.70%.
12.63% CET1 capital ratio against 11.74%; 10.25% tier 1 leverage ratio against 9.47%.
Inside the full Cambridge Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Cambridge Savings Bank rankings
Its closest position to the top of a national ranking is 215 of 4,196, for total assets; its furthest is 3,331 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.25% (Q3 2024) to 2.32% (Q3 2025) and its net interest margin ran from 2.31% (Q3 2024) to 2.83% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.63% | 0.40% | 1.26% | 9.24% | 2.79% |
| Q1 2026 | 12.83% | 0.32% | 0.94% | 6.73% | 2.80% |
| Q4 2025 | 12.79% | 0.61% | 0.79% | 5.59% | 2.83% |
| Q3 2025 | 12.54% | 2.32% | 0.48% | 3.25% | 2.79% |
| Q2 2025 | 11.74% | 0.57% | 0.48% | 3.48% | 2.70% |
| Q1 2025 | 11.70% | 0.36% | 0.71% | 5.57% | 2.70% |
| Q4 2024 | 11.35% | 0.41% | 0.75% | 6.13% | 2.45% |
| Q3 2024 | 11.08% | 0.25% | 0.83% | 7.07% | 2.31% |
Swipe the table sideways to see every column.
Branch Network
View all 21 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cambridge Savings Bank (main office) | Cambridge , MA | 02138 | $1.42B |
| Http:Www.Ivybank.Com Branch | Waltham , MA | 02451 | $1.16B |
| Arlington Center Branch | Arlington , MA | 02476 | $292.9M |
| Porter Square Shopping Center Branch | Cambridge , MA | 02140 | $264.2M |
| Newton Centre Branch | Newton Center , MA | 02459 | $206.5M |
| Melrose Bank Branch | Melrose , MA | 02176 | $204.7M |
| Belmont Branch | Belmont , MA | 02478 | $199.1M |
| Lexington Branch | Lexington , MA | 02420 | $190.0M |
| Arlington Heights Branch | Arlington , MA | 02476 | $180.8M |
| East Arlington Branch | Arlington , MA | 02474 | $171.1M |
| Simonds Park Branch | Burlington , MA | 01803 | $158.9M |
| Central Square Branch | Cambridge , MA | 02139 | $138.9M |
| Bedford Branch | Bedford , MA | 01730 | $127.4M |
| Http:Www.Cambridgesavings.Com Branch | Waltham , MA | 02451 | $127.2M |
| Watertown Branch | Watertown , MA | 02472 | $122.4M |
| Concord Branch | Concord , MA | 01742 | $120.6M |
| Middlesex Turnpike Branch | Burlington , MA | 01803 | $104.7M |
| Cambridge Street Branch | Cambridge , MA | 02139 | $91.7M |
| Thompson Square | Charlestown , MA | 02129 | $41.4M |
| Assembly Row Branch | Somerville , MA | 02145 | $22.5M |
| Dorchester Branch | Dorchester , MA | 02125 | $1.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2026 | Structure Change | Acquired First Seacoast Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2020 | Structure Change | Acquired Melrose Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 21, 1991 | Structure Change | Acquired Bank Five for Savings Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 20, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 10, 1971 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 10, 1971 | Structure Change | Acquired North Avenue Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in MA, rank 12 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,320 applications, 1,060 loans originated, $566.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 35 loans, $7.5M approved, $215K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cambridge Savings Bank
What are Cambridge Savings Bank's total assets?
As of the Q2 2026 filing, Cambridge Savings Bank reported total assets of $6.98 billion in its FFIEC call report.
Where is Cambridge Savings Bank headquartered?
It is headquartered in Cambridge, MA, United States.
When was Cambridge Savings Bank founded?
It was established in 1834, per the FDIC institution directory.
Is Cambridge Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17870). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cambridge Savings Bank?
Cambridge Savings Bank's primary federal regulator is the FDIC.
What is Cambridge Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.63% in its Q2 2026 call report, above regulatory requirements.
How many branches does Cambridge Savings Bank operate?
It operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cambridge Savings Bank's Texas Ratio?
Its Texas Ratio is 9.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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