East Cambridge Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
East Cambridge Savings Bank is an FDIC-insured commercial bank headquartered in Cambridge, MA, established in 1854 (FDIC certificate 90173), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.66B, up 3.5% from Q2 2025, the 33rd largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 13.68% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 90173
- Headquarters
- Cambridge, MA
- Established
- 1854
- Total assets, Q2 2026
- $1.66B
- Assets vs Q2 2025
- +3.5%
- CET1 ratio, Q2 2026
- 13.68%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 211370419
- Latest call report
- Q2 2026, FFIEC 041 · East Cambridge Savings Bank call report
- Holding company
- 1854 BANCORP
- Asset rank in state
- 33rd of 89 in Massachusetts
East Cambridge Savings Bank spends more to run itself than most banks of its size. Its balance sheet stood at $1.7 billion at June 30, 2026, up 3.5% from a year earlier; it is based in Cambridge, Massachusetts. It earns about $0.43 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 spends about 78 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $1.8 million, 55% above the same quarter a year earlier. Delinquency has appeared in its $170 million non-owner-occupied commercial real estate book: 1.78% of those loans are past due or on nonaccrual, against almost none a year earlier. Its margin is thin by comparison: it keeps 2.68 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
As of June 30, 2026, East Cambridge Savings Bank reported a CET1 capital ratio of 13.68%, a return on assets of 0.43%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 1.75%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, East Cambridge Savings Bank is the 33rd largest of the 89 banks headquartered in Massachusetts. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $1.66B, loans rose 4.9% and deposits were flat. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 58.5% of total loans, followed by multifamily loans at 13.6%. The FDIC Summary of Deposits lists 12 offices for it, in 9 cities in MA; its Cambridge 3 offices book 37% of its branch deposits. On its Q2 2026 call report, East Cambridge Savings Bank meets every capital ratio test for well capitalized.
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
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 2, 1854
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 153
- Domestic deposits
- $1.34B
- Allowance for credit losses
- $7.9M
- Net charge-offs (YTD)
- $21K
- Average total assets
- $1.64B
- Average total loans
- $1.29B
- Average interest-bearing deposits
- $1.09B
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- June 18, 1985
- FDIC Cert
- 90173
- Fed RSSD
- 738303
- Website
- www.ecsb.com →
- Parent Holding Company
- 1854 BANCORP (RSSD 4459820)
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
East Cambridge Savings Bank's total assets moved between a low of $1.60B (Q1 2024) and a high of $1.67B (Q1 2026) 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
$1.66B total assets against $1.61B; $1.51B total liabilities against $1.46B.
$1.33B net loans and leases against $1.28B; $1.34B total deposits against $1.28B.
$142.3M securities against $132.6M; $100.2M cash and balances due against $107.6M.
$18.6M total interest income against $17.9M; $8.0M total interest expense against $8.8M.
$10.6M net interest income against $9.2M.
$1.6M total noninterest income against $1.2M; $9.5M total noninterest expense against $8.8M.
$361K provision for credit losses against $155K.
$1.8M net income against $1.1M.
0.43% return on assets against 0.28%; 2.68% net interest margin against 2.35%.
13.68% CET1 capital ratio against 14.48%; 9.69% tier 1 leverage ratio against 9.50%.
Inside the full East 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
East Cambridge Savings Bank rankings
Its closest position to the top of a national ranking is 671 of 4,196, for total assets; its furthest is 3,307 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.07% (Q3 2024) to 0.43% (Q2 2026) and its net interest margin ran from 2.03% (Q3 2024) to 2.68% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.68% | 0.43% | 0.20% | 1.75% | 2.68% |
| Q1 2026 | 14.40% | 0.33% | 0.14% | 1.21% | 2.46% |
| Q4 2025 | 14.13% | 0.43% | 0.13% | 1.12% | 2.39% |
| Q3 2025 | 14.12% | 0.37% | 0.14% | 1.31% | 2.43% |
| Q2 2025 | 14.48% | 0.28% | 0.19% | 1.77% | 2.35% |
| Q1 2025 | 14.09% | 0.32% | 0.19% | 1.80% | 2.26% |
| Q4 2024 | 13.87% | 0.19% | 0.43% | 4.04% | 2.07% |
| Q3 2024 | 13.56% | 0.07% | 0.22% | 2.15% | 2.03% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 |
|---|---|---|---|
| East Cambridge Savings Bank (main office) | Cambridge , MA | 02141 | $340.2M |
| Cambridge Branch | Cambridge , MA | 02139 | $153.6M |
| Arlington Branch | Arlington , MA | 02474 | $140.9M |
| Trapelo Road Banking Center | Belmont , MA | 02478 | $140.2M |
| Highland Branch | Somerville , MA | 02143 | $133.9M |
| Patriot Branch | Woburn , MA | 01801 | $111.3M |
| Chelsa Bank Branch | Chelsea , MA | 02150 | $94.6M |
| Salem Street Office Branch | Medford , MA | 02155 | $76.2M |
| Wal-Lex Shopping Center Branch | Waltham , MA | 02452 | $65.4M |
| West Medford Branch | Medford , MA | 02155 | $42.8M |
| Malden Banking Center | Malden , MA | 02148 | $40.1M |
| Cambridge Branch | Cambridge , MA | 02138 | $284K |
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 |
|---|---|---|---|
| August 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2022 | Structure Change | Acquired Patriot Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2015 | Structure Change | Acquired Chelsea 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action February 25, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MA, rank 40 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 209 applications, 178 loans originated, $148.5M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.6M approved, $783K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 East Cambridge Savings Bank
What are East Cambridge Savings Bank's total assets?
As of the Q2 2026 filing, East Cambridge Savings Bank reported total assets of $1.66 billion in its FFIEC call report.
Where is East Cambridge Savings Bank headquartered?
It is headquartered in Cambridge, MA, United States.
When was East Cambridge Savings Bank founded?
It was established in 1854, per the FDIC institution directory.
Is East Cambridge Savings Bank FDIC-insured?
Yes. It 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 Federal Reserve.
What is East Cambridge Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.68% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does East Cambridge Savings Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is East Cambridge Savings Bank's Texas Ratio?
Its Texas Ratio is 1.75% 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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