Cambridge Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 80.7% higher than in Q1 2026, at $6.4M. Within Massachusetts, Cambridge Savings Bank is 10th of 89 on loan-to-deposit ratio, 108.80% as of Q2 2026, above the middle of the field. Cambridge Savings Bank reported 108.80% on loan-to-deposit ratio for Q2 2026, 20.60 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.82B |
| Net loans and leases | $5.76B |
| Loans held for sale | $6.4M |
| Loans to total assets | 83.39% |
| Loan-to-deposit ratio | 108.80% |
| Net loans to equity capital | 8.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.71% |
| Multifamily (5+ residential) | 9.74% |
| Commercial and industrial | 15.40% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 349.41% |
| Construction concentration (Tier 1 capital + allowance) | 19.10% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.19% |
| Interest income on loans | $75.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $5.71B | $5.24B | 38.05% | 15.48% | 0.11% |
| Q4 2023 | $5.68B | $5.38B | 38.34% | 14.83% | 0.10% |
| Q1 2024 | $5.77B | $5.50B | 37.80% | 15.27% | 0.10% |
| Q2 2024 | $5.87B | $5.58B | 37.96% | 15.67% | 0.09% |
| Q3 2024 | $5.81B | $5.56B | 37.89% | 15.57% | 0.09% |
| Q4 2024 | $5.74B | $5.44B | 37.41% | 14.67% | 0.09% |
| Q1 2025 | $5.70B | $5.49B | 36.75% | 14.30% | 0.03% |
| Q2 2025 | $5.77B | $5.41B | 36.66% | 14.66% | 0.03% |
| Q3 2025 | $5.78B | $5.45B | 36.64% | 14.95% | 0.02% |
| Q4 2025 | $5.71B | $5.57B | 36.46% | 15.27% | 0.03% |
| Q1 2026 | $5.73B | $5.52B | 36.46% | 15.74% | 0.03% |
| Q2 2026 | $5.82B | $5.35B | 35.71% | 15.40% | 0.02% |
Cambridge Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cambridge Savings Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cambridge Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17870) · FFIEC NIC profile (RSSD 758703)