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East Cambridge Savings Bank
Cambridge, MA · FDIC Certificate #90173 · Chartered 04/0
Total assets
$1.66B
Total deposits
$1.34B
Total equity
$156.31M
Net loans
$1.33B
Branches (offices)
12
Net income (YTD)
$3.12M
Rank: #679 of 4,213 U.S. banks by assets · #33 of 89 in Massachusetts. Assets changed 3.5% and deposits 4.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.38% |
| Return on equity | 4.02% |
| Net interest margin (YTD) | 2.61% |
| Equity to assets | 9.39% |
| Tier 1 leverage ratio | 9.69% |
| Uninsured deposits (share of deposits) | 37.2% |
| Noncurrent loans (share of loans) | 0.20% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 99.6% |
| Real estate loans (share of loans) | 96.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.29B | 96.6% | |
| Commercial & industrial | $44.19M | 3.3% | |
| Consumer / individual | $8.80M | 0.7% | |
| Construction & development | $79.78M | 6.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.43B | $1.28B | $5.41M | $127.36M |
| Jun 2023 | $1.60B | $1.40B | $3.93M | $133.65M |
| Jun 2024 | $1.60B | $1.27B | $1.44M | $140.05M |
| Jun 2025 | $1.61B | $1.28B | $2.43M | $148.41M |
| Jun 2026 | $1.66B | $1.34B | $3.12M | $156.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $1.34B | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.34B.
Similar-sized banks
Main Street Bank ($1.67B) · Community Bank ($1.66B)
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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