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National Bank of Cambridge, The

Cambridge, MD · Cert 4829

FDIC · 6 branches

Q3 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2020, the quarter ended September 30, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

National Bank of Cambridge, The

Cambridge, MD · Cert 4829

FDIC · 6 branches

Q3 2020

$403.1MAssets
$281.1MLoans
$340.0MDeposits
$57.4MEquity
Loan mix
82%RE $193.9M17%C&I $40.2M1%Consumer $1.6MQ3 2019Q3 2020
Deposit mix
66%Interest-bearing $224.5M34%Noninterest $115.5MQ3 2019Q3 2020

NIM

3.82%Q3 ’183.88%Q3 ’193.30%Q3 ’20-1%-14%

Non-interest income vs. expense

2.66%Q3 ’182.58%Q3 ’192.19%Q3 ’20-3%-12%

Executive Summary

  • Earnings: ROA of 0.85%, down 23 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.26% of loans (-110 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.27%, down 42 bps from a year ago.
  • Funding: loans stand at 82.69% of deposits as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

0.85%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.07%-50 bps YoY

Efficiency Ratio (YTD, annualized)

63.34%+80 bps YoY

Tier 1 Leverage Ratio

13.27%-42 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets1.08%1.09%0.59%0.81%0.85%-23 bps
Return on Equity7.63%7.63%3.99%5.55%5.85%-178 bps
Net Interest Margin3.57%3.47%3.28%3.06%3.07%-50 bps
Efficiency Ratio62.54%60.82%69.41%63.27%63.34%+80 bps
Non-Interest Burden2.07%1.93%2.16%1.81%1.82%-24 bps
Growth
Asset Growth (YoY)6.47%-0.77%-2.67%8.32%6.89%+41 bps
Loan Growth (YoY)-1.84%-2.11%-0.31%13.74%13.26%+1,510 bps
Deposit Growth (YoY)6.40%-1.84%-4.07%9.11%7.42%+102 bps
Asset Quality
Nonperforming Loans / Loans1.36%0.22%0.29%0.26%0.26%-110 bps
Net Charge-Offs / Loans0.00%0.00%0.03%0.01%0.01%+1 bps
Allowance / Loans0.76%0.76%0.88%0.77%0.78%+1 bps
Allowance Coverage of NPLs0.6x3.4x3.0x3.0x2.9x+2.4x
Capital
Tier 1 Leverage Ratio13.69%13.58%13.94%13.31%13.27%-42 bps
Total Risk-Based Capital20.96%20.89%20.89%20.89%21.56%+60 bps
Equity / Assets14.50%14.73%14.80%14.14%14.24%-26 bps
Liquidity & Funding
Loans / Deposits78.42%79.87%78.81%83.63%82.69%+427 bps
Liquid Assets / Assets15.66%14.13%14.37%12.10%13.99%-167 bps
CRE / Total Capitaln/an/an/an/an/an/an/a