East Cambridge Savings Bank
Headquartered in Cambridge, East Cambridge Savings Bank serves the Massachusetts market as a community-focused commercial bank. East Cambridge Savings's Q1 2026 balance sheet shows $1.7B in assets funded primarily by $1.3B in customer deposits. Returns are subdued: 0.33% ROA and 3.48% ROE. Regulatory capital is solid — 14.40% CET1 and 15.13% total risk-based capital ratio. Asset quality is pristine — 0.14% NPLs and a 1.21% Texas Ratio. Its footprint covers 12 branches concentrated in Massachusetts.
Headquarters Profile
- Address
- 292 Cambridge St, CAMBRIDGE, MA 02141
- County
- Middlesex
- Metro Area
- BOSTON-CAMBRIDGE-NEWTON, MA-NH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 2
- Established
- April 2, 1854
- Branches
- 12 domestic
- Employees (FTE)
- 153
- FDIC Cert
- 90173
- Fed RSSD
- 738303
- Website
- www.ecsb.com →
- Parent Holding Company
- 1854 BANCORP (RSSD 4459820)
Capital & Liquidity
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East Cambridge Savings Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
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Frequently asked about East Cambridge Savings Bank
What are East Cambridge Savings Bank's total assets?
As of the Q1 2026 filing, East Cambridge Savings Bank reported total assets of $1.67 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is East Cambridge Savings Bank headquartered?
East Cambridge Savings Bank is headquartered in CAMBRIDGE, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was East Cambridge Savings Bank founded?
East Cambridge Savings Bank was established in 1854, per the FDIC institution directory.
Is East Cambridge Savings Bank FDIC-insured?
Yes. East Cambridge Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #90173). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates East Cambridge Savings Bank?
East Cambridge Savings Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is East Cambridge Savings Bank's CET1 capital ratio?
East Cambridge Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.40% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does East Cambridge Savings Bank operate?
East Cambridge Savings Bank operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is East Cambridge Savings Bank's Texas Ratio?
East Cambridge Savings Bank's Texas Ratio is 1.21% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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