Cambridge Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 15.66 percentage points higher than in Q1 2026, at 79.61%. Cambridge Savings Bank ranks 76th of 89 Massachusetts banks on return on assets, in the lower half at 0.40% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Cambridge Savings Bank reported 0.40% on return on assets in Q2 2026, 0.88 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.63% |
| Tier 1 risk-based capital ratio | 12.63% |
| Total risk-based capital ratio | 13.71% |
| Tier 1 leverage ratio | 10.25% |
| Equity capital to assets | 10.19% |
| Tangible equity to tangible assets | 9.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.26% |
| Non-performing assets ratio | 1.05% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 9.77% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 79.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.40% |
| Return on equity | 3.93% |
| Net interest margin | 2.79% |
| Efficiency ratio | 71.44% |
| Yield on earning assets | 5.06% |
| Cost of funds | 2.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.80% |
| Core deposits to total deposits | 89.44% |
| Brokered deposits to total deposits | 4.44% |
| Deposits to assets | 76.65% |
| Securities to assets | 10.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.10% | 10.10% | 11.06% | 8.56% | 0.45% |
| Q4 2023 | 10.73% | 10.73% | 11.74% | 8.86% | 0.11% |
| Q1 2024 | 10.77% | 10.77% | 11.78% | 8.91% | 0.35% |
| Q2 2024 | 10.76% | 10.76% | 11.77% | 8.89% | 0.39% |
| Q3 2024 | 11.08% | 11.08% | 12.20% | 8.90% | 0.25% |
| Q4 2024 | 11.35% | 11.35% | 12.49% | 9.11% | 0.41% |
| Q1 2025 | 11.70% | 11.70% | 12.92% | 9.30% | 0.36% |
| Q2 2025 | 11.74% | 11.74% | 12.69% | 9.47% | 0.57% |
| Q3 2025 | 12.54% | 12.54% | 13.50% | 9.98% | 2.32% |
| Q4 2025 | 12.79% | 12.79% | 13.74% | 10.07% | 0.61% |
| Q1 2026 | 12.83% | 12.83% | 13.84% | 10.25% | 0.32% |
| Q2 2026 | 12.63% | 12.63% | 13.71% | 10.25% | 0.40% |
Cambridge Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cambridge Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)