Cambridge Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cambridge Savings Bank of Cambridge, MA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.40% | 1.46% | -1.06% | 7th bottom |
| ROAE | 3.93% | 12.74% | -8.81% | 7th bottom |
| Net Interest Margin | 2.79% | 3.85% | -1.06% | 9th bottom |
| Efficiency Ratio | 71.44% | 57.37% | +14.07% | 18th bottom |
| PPNR / Avg Assets | 0.83% | 1.88% | -1.05% | 10th bottom |
| Yield on Earning Assets | 5.06% | 5.72% | -0.66% | 23rd bottom |
| Cost of Funds | 2.47% | 2.01% | +0.46% | 23rd bottom |
| Net Interest Spread | 2.14% | 3.18% | -1.04% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.26% | 1.00% | +0.26% | 25th below |
| NPA / Total Assets | 1.05% | 0.76% | +0.29% | 23rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.17% | 0.43% | -0.26% | 21st bottom |
| ACL / Total Loans | 1.00% | 1.31% | -0.31% | 30th below |
| ACL / NPLs (Coverage) | 79.61% | 544.64% | -465.03% | 20th bottom |
| Texas Ratio | 9.77% | 7.38% | +2.39% | 25th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 446.21% | 619.15% | -172.94% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.63% | 17.35% | -4.72% | 35th below |
| Tier 1 Ratio | 12.63% | 17.38% | -4.75% | 35th below |
| Total Capital Ratio | 13.71% | 18.43% | -4.72% | 35th below |
| Leverage Ratio | 10.25% | 11.44% | -1.19% | 44th below |
| Equity / Assets | 10.19% | 11.34% | -1.15% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.94% | 10.50% | -0.56% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.80% | 86.89% | +21.91% | 6th bottom |
| Core Deposit Ratio | 89.44% | 85.54% | +3.90% | 55th above |
| Uninsured Deposit Ratio | 29.26% | 33.13% | -3.87% | 56th above |
| Wholesale Funding Ratio | 11.70% | 5.68% | +6.02% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.91% | 9.70% | -8.79% | 21st bottom |
| Loan Growth (Y/Y) | 0.93% | 8.08% | -7.15% | 22nd bottom |
| Deposit Growth (Y/Y) | -1.11% | 7.89% | -9.00% | 14th bottom |
See Cambridge Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cambridge Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cambridge Savings Bank profile, how to read a UBPR, or how this data updates.