East 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.
Reserve coverage of non-performing loans dropped 118.53 percentage points in Q2 2026, from 410.70% to 292.17%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, East Cambridge Savings Bank is 72nd of 89 on return on assets, 0.43% as of Q2 2026, below the middle of the field. East Cambridge Savings Bank's return on assets of 0.43% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.84 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.68% |
| Tier 1 risk-based capital ratio | 13.68% |
| Total risk-based capital ratio | 14.39% |
| Tier 1 leverage ratio | 9.69% |
| Equity capital to assets | 9.39% |
| Tangible equity to tangible assets | 8.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.75% |
| Allowance for credit losses to loans | 0.59% |
| Reserve coverage of non-performing loans | 292.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.43% |
| Return on equity | 4.57% |
| Net interest margin | 2.68% |
| Efficiency ratio | 77.59% |
| Yield on earning assets | 4.69% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.19% |
| Core deposits to total deposits | 84.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.47% |
| Securities to assets | 8.55% |
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 | 12.81% | 12.81% | 13.49% | 8.90% | 0.28% |
| Q4 2023 | 13.31% | 13.31% | 14.03% | 9.23% | 1.09% |
| Q1 2024 | 13.60% | 13.60% | 14.31% | 9.26% | 0.22% |
| Q2 2024 | 13.45% | 13.45% | 14.17% | 9.37% | 0.14% |
| Q3 2024 | 13.56% | 13.56% | 14.29% | 9.31% | 0.07% |
| Q4 2024 | 13.87% | 13.87% | 14.63% | 9.24% | 0.19% |
| Q1 2025 | 14.09% | 14.09% | 14.86% | 9.32% | 0.32% |
| Q2 2025 | 14.48% | 14.48% | 15.27% | 9.50% | 0.28% |
| Q3 2025 | 14.12% | 14.12% | 14.88% | 9.58% | 0.37% |
| Q4 2025 | 14.13% | 14.13% | 14.86% | 9.53% | 0.43% |
| Q1 2026 | 14.40% | 14.40% | 15.13% | 9.54% | 0.33% |
| Q2 2026 | 13.68% | 13.68% | 14.39% | 9.69% | 0.43% |
East Cambridge Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock East 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 East Cambridge Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90173) · FFIEC NIC profile (RSSD 738303)