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Cambridge Savings Bank
Cambridge, MA·FDIC Cert #17870·Charter: STATE·Est. 18340402.0·HC: CAMBRIDGE FINANCIAL GROUP INC
Total Assets
$6.9B
Q4 2025
Return on Assets
0.97%
-0.12%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
61.11%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
52
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.97%-0.12
ROE
10.14%-1.41
Efficiency
61.11%+3.70
Equity/Assets
0.00%+0.00
NPL Ratio
0.78%+0.30
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
101.66%-3.47
Charge-offs
0.29%-0.07
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.3 | 0.4 | 0.3 | 0.4 | 0.4 | 0.5 | 1.1 | 1.0 |
| ROE | 4.0 | 4.2 | 3.7 | 4.0 | 4.0 | 5.0 | 11.6 | 10.1 |
| Efficiency | 79.3 | 80.7 | 80.0 | 80.3 | 74.7 | 73.8 | 57.4 | 61.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.5 | 0.8 | 0.8 | 0.7 | 0.5 | 0.5 | 0.8 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.5 | 0.4 | 0.3 |
| Loan/Deposit | 104.0 | 104.2 | 103.4 | 104.5 | 102.7 | 105.7 | 105.1 | 101.7 |
Balance Sheet
Total Assets$6.9B
Total Deposits$5.6B
Total Loans$5.7B
Total Equity$703.5M
Profitability
ROA0.97%
ROE10.14%
Efficiency Ratio61.11%
Net Income$67.0M
Risk & Asset Quality
NPL Ratio0.78%
Charge-off Rate0.29%
Loan/Deposit101.66%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans