East Cambridge Savings Bank
Cambridge, MA · Cert 90173 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · 1854 Bcorp
State charter, Fed member · FED · 12 branches
Q2 2026
$1.7BAssets
$1.3BLoans
$1.3BDeposits
$156.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 78% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 7 of 27).
- Widest gap: return on equity trails 93% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 25 of 27).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.37%
Rank 25 of 27
Net Interest Margin
2.50%
Rank 20 of 27
Efficiency Ratio
81.93%
Rank 24 of 27
Equity / Assets
9.39%
Rank 22 of 27
Non-interest income vs. expense
Unfavorable gap of $32.4M · efficiency ratio beats 15% 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 | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.48% | 0.78% | 0.99% | Beats 7% | 25 / 27 | |
| Return on Equity | 3.99% | 5.50% | 7.06% | 8.20% | Beats 7% | 25 / 27 | |
| Net Interest Margin | 2.50% | 2.49% | 2.70% | 3.34% | Beats 26% | 20 / 27 | |
| Efficiency Ratio | 81.93% | 59.27% | 68.19% | 75.85% | Beats 15% | 24 / 27 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.20% | 0.58% | 1.15% | Beats 78% | 7 / 27 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 63% | 11 / 27 | |
| Capital |
| Tier 1 Capital Ratio | 13.68% | 13.21% | 14.69% | 16.81% | Beats 33% | 18 / 27 | |
| Total Risk-Based Capital Ratio | 14.39% | 13.71% | 15.43% | 18.07% | Beats 30% | 19 / 27 | |
| Equity / Assets | 9.39% | 9.62% | 11.14% | 13.14% | Beats 19% | 22 / 27 | |
| Liquidity & Funding |
| Loans / Deposits | 100.19% | 91.42% | 101.19% | 107.11% | 44th pctl | 15 / 27 | |
| Loans / Assets | 80.62% | 75.31% | 80.56% | 83.39% | 52nd pctl | 13 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |