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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Cambridge Savings Bank

Cambridge, Massachusetts · $6.98B in assets · beside the 11 other Massachusetts banks between $3B and $10B

The filing

0.36%
ROA
12th of 12
0.8x
Coverage of noncurrent
12th of 12
10.2%
Equity / assets
11th of 12

Cambridge Savings Bank is the third largest of the 12 Massachusetts banks nearest its size between $3B and $10B, with $6.98B in assets at 30 June 2026. Loans are 108.8% of deposits, 9th of 12 against a median of 102.9%, and equity is 10.2% of assets, 11th of 12. Loans grew +0.9% in the year, 10th of 12, and deposits fell 1.1%; the cohort's median loan growth is +5.1%.

Noncurrent loans are 1.26% of the book, 11th of 12 against a median of 0.52%; 0.61% is 30 to 89 days past due, and the allowance covers them 0.8 times. Commercial real estate is 45.0% of loans, 11th of 12 against a median of 35.5%, and 339% of capital, above the 300% screen, with construction at 19% against the 100% screen.

Return on assets is 0.36%, the lowest in the cohort against a median of 0.91%, on an efficiency ratio of 75.9%, 11th of 12. Five years ago it was 0.95%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 3.0% of loans).

Return on assetsMA banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 0.91% NB Northern Bank & Trust Co. 1.89% HI Hingham Institution for Savings 1.25% IS Institution Savings Newburyport & 1.05% TB Trunorth Bank 1.04% NB Needham Bank 1.01% SF Salem Five Cents Savings Bank 0.96% LB Leader Bank National Association 0.85% CC Cape Cod Five Cents Savings Bank 0.75% MS Middlesex Savings Bank 0.72% BC Bristol County Savings Bank 0.62% P Peoplesbank 0.42% CS Cambridge Savings Bank 0.36%
Loans, year over yearMA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +5.1% NB Needham Bank +42.8% LB Leader Bank National Association +10.2% BC Bristol County Savings Bank +8.9% TB Trunorth Bank +7.5% SF Salem Five Cents Savings Bank +6.7% MS Middlesex Savings Bank +6.4% NB Northern Bank & Trust Co. +3.8% P Peoplesbank +3.1% IS Institution Savings Newburyport & +2.6% CS Cambridge Savings Bank +0.9% HI Hingham Institution for Savings -0.7% CC Cape Cod Five Cents Savings Bank -5.1%

SBA 7(a), FY2008 to FY2026

Cambridge Savings Bank is the 14th largest 7(a) lender into Massachusetts of 309, with $103M across 507 loans, 1.6% of everything approved in the state (Eastern Bank leads with $778M). 5 of its 16 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Massachusetts, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Middlesex, MA$52M8th of 1903.3%-0.1 pts
Suffolk, MA$18M10th of 1302.8%-0.9 pts
Essex, MA$10M18th of 1291.2%-5.0 pts
Plymouth, MA$7M16th of 1071.3%-1.5 pts
Norfolk, MA$6M33rd of 1450.8%-0.9 pts
Worcester, MA$5M30th of 1400.7%thin
Barnstable, MA$4M17th of 841.4%thin
Rockingham, NH$3M39th of 1080.5%-0.0 pts
District Of Columbia, DC$2M62nd of 1300.3%thin
Merrimack, NH$863K33rd of 620.5%quiet FY2013
Bristol, MA$500K73rd of 1120.1%quiet FY2020
Hillsborough, NH$400K82nd of 1170.1%quiet FY2015
Bucks, PA$250K122nd of 1400.0%quiet FY2022
3 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services124$32M29.5%0.04%288th of 2,596
Professional & technical services69$22M20.3%0.07%176th of 1,955
Retail trade71$15M13.7%0.02%376th of 2,589
Wholesale trade17$8M7.2%0.03%339th of 1,651
Construction52$8M7.0%0.02%426th of 2,063
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Cambridge Savings Bank
EB Eastern Bank 12.2% $778M · 8,606 loans LO Live Oak Banking Company 6.9% $442M · 354 loans RT Rockland Trust Company 6.7% $426M · 1,996 loans TB TD Bank, National Association 4.6% $295M · 2,208 loans CB Citizens Bank, National Associati… 4.1% $261M · 1,649 loans BB Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans SF Salem Five Cents Savings Bank 2.8% $179M · 667 loans Ma Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans CS Cambridge Savings Bank 1.6% $103M · 507 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Cambridge Savings BankRankCohort median
Total CRE against capital, the 300% screen339%11th of 12240%
Construction against capital, the 100% screen19%1st of 1229%
Construction and land development, share of loans2.5%1st of 125.0%
Non-owner-occupied nonfarm nonresidential, share of loans32.7%12th of 1219.4%
Total CRE, the guidance definition, share of loans45.0%11th of 1235.5%
CRE growth over 36 months, the third prong-3.4%2nd of 12+12.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Salem Five Cents Savings Bank$8.82B1.0%56.7%0.36%0.00%1.2%113.0%11.5%
Needham Bank$7.42B1.0%59.3%0.43%0.45%1.3%102.6%10.9%
Cambridge Savings Bank$6.98B0.4%75.9%1.26%0.09%1.0%108.8%10.2%
Middlesex Savings Bank$6.15B0.7%68.2%0.33%0.01%0.9%73.2%13.1%
Cape Cod Five Cents Savings Bank$5.62B0.7%71.8%0.47%0.02%0.5%95.7%10.6%
Institution Savings Newburyport &$5.56B1.1%74.0%0.04%0.00%0.3%126.5%12.5%
Leader Bank National Association$5.28B0.9%63.4%0.03%0.00%1.0%102.9%10.5%
Peoplesbank$4.62B0.4%72.0%0.57%0.21%0.6%100.3%8.9%
Hingham Institution for Savings$4.56B1.2%36.3%0.78%0.00%0.8%150.5%11.1%
Northern Bank & Trust Co.$3.38B1.9%47.1%2.07%0.07%2.2%102.9%14.1%
Trunorth Bank$3.32B1.0%60.9%0.58%0.12%0.5%92.7%14.7%
Bristol County Savings Bank$3.26B0.6%77.5%0.60%0.06%0.9%103.5%14.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Cambridge Savings BankCohort median
20212026Change20212026Change
Loans$4.16B$5.82B+40%$2.50B$4.10B+64%
Deposits$4.45B$5.35B+20%$2.60B$3.89B+49%
NPA / loans0.60%1.26%+0.65 pts0.45%0.52%+0.07 pts
Efficiency63.1%75.9%+12.8 pts61.0%65.8%+4.8 pts
ROA0.95%0.36%-0.59 pts1.26%0.91%-0.35 pts

This read was prepared for Cambridge Savings Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Cambridge Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $3B to $10B
Institution www.cambridgesavings.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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