Bank call report · Cambridge, MA
East Cambridge Savings Bank Call Report
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East Cambridge Savings Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 392 reported line items, schedule by schedule (968 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 738303 |
| FDIC certificate number | 90173 |
| Total assets | $1.66B |
Official Q2 2026 call report PDF (FFIEC) →
East Cambridge Savings Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (26 items)
About Schedule RC · East Cambridge Savings Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.66B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.66B |
| Total Liabilities and Minority Interest | RCON2948 | $1.51B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.34B |
| Total Deposits | RCON2200 | $1.34B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.33B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.15B |
| Deposits: Noninterest-bearing | RCON6631 | $185.4M |
| Surplus | RCON3839 | $165.5M |
| Total Equity Capital | RCON3210 | $156.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $156.3M |
| Other Borrowed Money | RCON3190 | $154.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $106.9M |
| Interest-bearing Balances | RCON0071 | $97.0M |
| Other Assets | RCON2160 | $63.9M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $35.4M |
| Held-to-maturity Securities, Total | RCON1754 | $35.4M |
| Other Liabilities, Total | RCON2930 | $14.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $13.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$12.3M |
| Intangible Assets | RCON2143 | $10.6M |
| Goodwill | RCON3163 | $9.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $7.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $3.1M |
| Loans and Leases Held for Sale | RCON5369 | $1.5M |
Schedule RI: Income Statement (45 items)
About Schedule RI · East Cambridge Savings Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $36.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $31.8M |
| Net Interest Income | RIAD4074 | $20.4M |
| Total Noninterest Expense | RIAD4093 | $19.2M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $18.8M |
| Total Interest Expense | RIAD4073 | $16.3M |
| Salaries and Employee Benefits | RIAD4135 | $11.4M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $11.1M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $6.0M |
| Other Noninterest Expense | RIAD4092 | $5.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $3.9M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $3.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.1M |
| Net Income (Loss) | RIAD4340 | $3.1M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.1M |
| Total Noninterest Income | RIAD4079 | $3.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $3.0M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $2.3M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $2.1M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.5M |
| Other Noninterest Income | RIADB497 | $1.4M |
| Applicable Income Taxes | RIAD4302 | $888K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $869K |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $605K |
| Fees and Commissions from Securities Brokerage | RIADC886 | $380K |
| Other Interest Income | RIAD4518 | $375K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $320K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $245K |
| Provision for Loan and Lease Losses | RIAD4230 | $242K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $223K |
| Fees and Commissions from Annuity Sales | RIADC887 | $178K |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $178K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $132K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $128K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $118K |
| Interest on Other Securities | RIAD4060 | $90K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $73K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $65K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $53K |
| Net Servicing Fees | RIADB492 | $43K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $4K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 153 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $100.2M |
| Balances Due from Federal Reserve Banks | RCON0090 | $76.7M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $20.9M |
| Currency and Coin | RCON0080 | $2.6M |
Schedule RC-B: Securities (36 items)
About Schedule RC-B · East Cambridge Savings Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $23.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $21.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Amortized Cost | RCONG300 | $18.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Fair Value | RCONG301 | $18.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $76.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $64.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $11.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $10.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $46K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $44K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $122.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $113.7M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $33.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $14.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $13.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $10.0M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $9.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $7.8M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $6.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $6.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $6.1M |
| Pledged Securities | RCON0416 | $4.0M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $3.3M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $3.1M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $2.3M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $2.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $1.7M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $1.5M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $1.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $1.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $695K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $470K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $450K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $250K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $94K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $44K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · East Cambridge Savings Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.34B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $728.4M |
| Pledged Loans and Leases | RCONG378 | $545.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $440.3M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $240.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $187.8M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $182.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $169.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $158.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $137.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $104.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $103.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $100.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $71.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $62.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $52.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $45.1M |
| Commercial and Industrial Loans | RCON1766 | $44.2M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $44.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $34.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $34.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $33.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $29.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $29.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $22.8M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $8.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $4.2M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $2.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $80K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $29.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $10.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $2.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $356K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 65 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 55 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 35 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 19 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 14 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 6 |
Schedule RC-E: Deposit Liabilities (31 items)
About Schedule RC-E · East Cambridge Savings Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.06B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $997.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $350.2M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $290.0M |
| Total Transaction Accounts | RCON2215 | $276.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $275.4M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $267.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $213.0M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $210.8M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $200.2M |
| Total Demand Deposits (See Note Below) | RCON2210 | $185.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $179.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $111.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $111.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $111.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $99.2M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $89.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $88.5M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $83.2M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $79.2M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $72.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $68.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $65.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $29.9M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $27.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $12.7M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $12.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $827K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $530K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $14K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $2K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $33.7M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $11.9M |
| Net Deferred Tax Assets | RCON2148 | $8.2M |
| Other Assets | RCON2168 | $5.9M |
| Accrued Interest Receivable | RCONB556 | $4.2M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $2.4M |
| Prepaid Expenses | RCON2166 | $1.1M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $9.8M |
| Deferred Compensation Liabilities | RCONC011 | $7.6M |
| Other Expenses Accrued and Unpaid | RCON3646 | $4.2M |
| Operating lease liabilities | RCONLB56 | $1.3M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $371K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · East Cambridge Savings Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.64B |
| Quarterly Average of Total Loans | RCON3360 | $1.29B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $774.2M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $594.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $457.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $210.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $205.6M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $153.5M |
| Mortgage-backed Securities | RCONB559 | $131.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $120.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $81.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $44.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $18.0M |
| All Other Securities | RCONB560 | $10.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $8.7M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (10 items)
About Schedule RC-L · East Cambridge Savings Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Sold Protection | RCONG403 | $14.5M |
| Notional Amount of Sold Credit Protection: Subinvestment Grade - with Remaining Maturity of Over One Year Through Five Years | RCONG410 | $14.5M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $59.7M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $36.5M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $35.6M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $30.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $17.2M |
| Credit Derivatives: Notional Amounts- Other Credit Derivatives-guarantor | RCONC974 | $14.5M |
| Commercial and Similar Letters of Credit | RCON3411 | $743K |
| Notional Amount of Credit Derivatives on Which the Reporting Bank Is the Guarantor:gross Negative Fair Value | RCONC220 | $19K |
Schedule RC-M: Memoranda (8 items)
About Schedule RC-M · East Cambridge Savings Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Structured Advances | RCONF059 | $154.5M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $114.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $114.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $40.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $9.1M |
| All other intangible assets | RCONJF76 | $1.4M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $544K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 4 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (11 items)
About Schedule RC-N · East Cambridge Savings Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $3.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $3.0M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.7M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.9M |
| Additions to Nonaccrual Assets | RCONC410 | $1.9M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $692K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $623K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $150K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $71K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $2K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · East Cambridge Savings Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.65B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.34B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $656.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $655.5M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $498.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $157.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $23.5M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $4.0M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 43,140 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 961 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 892 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 11 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $106.9M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $106.9M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $106.9M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $106.9M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG569 | $19K |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc | RCONG566 | $19K |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $19K |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $19K |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $19K |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $19K |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · East Cambridge Savings Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $1.16B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)
About Schedule RC-R, Part I · East Cambridge Savings Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $1.64B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.63B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $1.16B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $166.2M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $165.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $158.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $158.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $158.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $156.3M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$12.3M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$11.9M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $10.6M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $9.2M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $8.2M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $8.2M |
| Tier 2 Capital Before Deductions | RCOAP870 | $8.2M |
| Retained Earnings | RCOAKW00 | $3.1M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $1.4M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$477K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1439 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1368 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1368 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0969 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0639 |
Schedule RC-R, Part II: Risk-Weighted Assets (62 items)
About Schedule RC-R, Part II · East Cambridge Savings Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $1.16B |
| Total Risk-weighted Assets | RCONG641 | $1.16B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $785.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $745.7M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $745.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $744.2M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $710.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $710.3M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $633.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $526.1M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $526.1M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $372.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $144.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $134.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $134.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $134.2M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $134.2M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $106.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $100.2M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $90.8M |
| Total All Other Assets | RCOND981 | $88.0M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $80.6M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $72.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $72.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $60.1M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $44.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $41.0M |
| Total Held-to-maturity Securities | RCOND961 | $35.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $29.4M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $29.4M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $29.4M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $29.4M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $26.8M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $25.3M |
| Unconditionally Cancellable Commitments | RCONS540 | $22.7M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $19.6M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $18.6M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $16.8M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$15.7M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - Over One Year Through Five Years | RCONS592 | $14.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $13.6M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$13.4M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $10.5M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $10.2M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $7.0M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $6.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $2.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $2.7M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $1.5M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $1.5M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $1.4M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $1.4M |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $1.0M |
| All Other Off- Balance Sheet Liabilities - 100 Pct Risk Weight Category | RCONG623 | $371K |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCONG619 | $371K |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCONG618 | $371K |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $252K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $252K |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $252K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $73K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $71K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $2K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $33.9M |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $156.3M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $153.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $153.6M |
| Other Comprehensive Income | RIADB511 | -$393K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · East Cambridge Savings Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $33K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $26K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $12K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $12K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $7K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · East Cambridge Savings Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $7.9M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $7.7M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $33K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$19K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $1.34B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $782.9M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $425.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $79.8M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $44.2M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $8.8M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $7.9M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $3.8M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $2.7M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $823K |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $343K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $123K |
Schedule RI-E: Explanations (15 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $785K |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $592K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $570K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $544K |
| Marketing and Other Professional Services | RIAD0497 | $500K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $436K |
| Consulting and Advisory Expense | RIADF557 | $390K |
| Directors' Fees | RIAD4136 | $267K |
| Telecommunications Expense | RIADF559 | $222K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $164K |
| Legal Expense | RIAD4141 | $140K |
| Accounting and Auditing Expenses | RIADF556 | $136K |
| Insurance Expenses (Not Included in Emplouee Expenses, Premises and Fixed Asset Expenses, and Other Real Estate Owned Expenses) | RIADY924 | $118K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $76K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $3K |
East Cambridge Savings Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the East Cambridge Savings Bank call report?
The East Cambridge Savings Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does East Cambridge Savings Bank file?
East Cambridge Savings Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the East Cambridge Savings Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: East Cambridge Savings Bank has Federal Reserve RSSD ID 738303 and FDIC certificate number 90173. Either one finds its filings on the FFIEC Central Data Repository.
How often does East Cambridge Savings Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
East Cambridge Savings Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 90173) · FFIEC NIC profile (RSSD 738303)