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Cambridge Savings Bank
Cambridge, MA · FDIC Certificate #17870 · Chartered 04/0
Total assets
$6.98B
Total deposits
$5.35B
Total equity
$711.56M
Net loans
$5.76B
Branches (offices)
21
Net income (YTD)
$12.46M
Rank: #221 of 4,213 U.S. banks by assets · #7 of 89 in Massachusetts. Assets changed 0.9% and deposits -1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.36% |
| Return on equity | 3.53% |
| Net interest margin (YTD) | 2.80% |
| Equity to assets | 10.19% |
| Tier 1 leverage ratio | 10.25% |
| Uninsured deposits (share of deposits) | 29.3% |
| Noncurrent loans (share of loans) | 1.26% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 107.7% |
| Real estate loans (share of loans) | 85.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $4.91B | 85.2% | |
| Commercial & industrial | $896.47M | 15.6% | |
| Consumer / individual | $1.44M | 0.0% | |
| Construction & development | $147.31M | 2.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $5.69B | $4.43B | $21.59M | $505.16M |
| Jun 2023 | $6.73B | $5.11B | $17.77M | $570.68M |
| Jun 2024 | $7.08B | $5.58B | $12.86M | $615.83M |
| Jun 2025 | $6.92B | $5.41B | $16.05M | $645.81M |
| Jun 2026 | $6.98B | $5.35B | $12.46M | $711.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $5.35B | 21 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.35B.
Similar-sized banks
Mid Penn Bank ($7.04B) · Community Trust Bank, Inc. ($6.95B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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