Cambridge Trust Company

Cambridge, MA · Cert 8152 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=29)

FDIC · 24 branches

Q2 2024

$5.3BAssets

$4.0BLoans

$4.0BDeposits

$515.3MEquity

Executive Summary

Strongest standing: efficiency ratio outperforms 59% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 13 of 29).
Widest gap: net charge-offs / loans trails 86% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 26 of 29).
Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.49%

Rank 13 of 29

Net Interest Margin

2.01%

Rank 22 of 29

Efficiency Ratio

73.03%

Rank 13 of 29

Equity / Assets

9.68%

Rank 16 of 29

Unfavorable gap of $66.6M · efficiency ratio beats 59% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	0.49%	0.34%	0.49%	0.67%	Beats 55%	13 / 29	n/a
Return on Equity	5.07%	3.75%	5.07%	5.84%	Beats 48%	15 / 29	n/a
Net Interest Margin	2.01%	2.01%	2.27%	3.07%	Beats 24%	22 / 29	n/a
Efficiency Ratio	73.03%	66.93%	77.14%	87.02%	Beats 59%	13 / 29	n/a
Asset Quality
Nonperforming Loans / Loans	0.21%	0.11%	0.21%	0.53%	Beats 45%	17 / 29	n/a
Net Charge-Offs / Loans	0.17%	0.00%	0.00%	0.02%	Beats 14%	26 / 29	n/a
Capital
Tier 1 Capital Ratio	12.97%	12.64%	13.66%	15.85%	Beats 31%	20 / 29	n/a
Total Risk-Based Capital Ratio	14.01%	13.58%	14.88%	16.94%	Beats 31%	20 / 29	n/a
Equity / Assets	9.68%	9.10%	9.80%	11.67%	Beats 45%	16 / 29	n/a
Liquidity & Funding
Loans / Deposits	98.08%	94.85%	104.75%	108.73%	28th pctl	21 / 29	n/a
Loans / Assets	74.45%	78.61%	80.41%	84.31%	17th pctl	24 / 29	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution