# CAMBRIDGE SAVINGS BANK
CAMBRIDGE, MA · FDIC certificate 17870 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.98B | |
| Deposits | $5.35B | |
| Loans and leases | $5.82B | |
| Total equity | $711.6M | |
| Loans / deposits | 107.71% (p95 of band) | 87.10% |
| Liquid assets / assets | 12.23% (p11 of band) | |
| Uninsured deposits / deposits | 29.26% (p45 of band) | 30.76% |
| Brokered deposits | 3.40% | |
| Wholesale funding | 15.10% (p80 of band) | |
| FHLB advances / assets | 11.59% | |
| Tier 1 leverage | 10.25% (p44 of band) | 10.50% |
| Unrealized securities loss / equity | -6.90% (p54 of band) | -7.75% |
| AOCI / equity | -0.62% (p29 of band) | |
| ROA (annualized) | 0.36% (p5 of band) | 1.26% |
| Net interest margin | 2.80% (p10 of band) | 3.70% |
| Efficiency ratio | 75.88% (p89 of band) | |
| Noncurrent loans | 1.26% (p79 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p70 of band) | |
| Reserve coverage of noncurrent | 79.61% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 20.70% (p18 of band) | |
| Auto loans | $584,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 506 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2014-03 | 1 |  | uninsured deposits leaving |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2016-09 | 2 |  | wholesale funding >15% |
| 2016-12 | 0 |  | capital falling, loans exceed deposits |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2020-09 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2020-12 | 0 |  | capital falling, loans exceed deposits, wholesale funding >15% |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | loans exceed deposits |  |
| 2022-09 | 2 | wholesale funding >15% |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | capital falling |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 3 | NIM <2.5% |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | wholesale funding >15% |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | NIM <2.5% |
| 2025-06 | 2 | charge-offs p90 |  |
| 2025-09 | 1 |  | charge-offs p90 |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | expense ratio p90, reserve under noncurrent |  |
| 2026-06 | 3 | wholesale funding >15% | expense ratio p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-05 [Cambridge Savings Bank expands into NH in $80.9M deal - Banking Dive](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPSDBEc3VUYk5KT3drOHplQmJvbWNCakZiTVg4TFM4WDAxVUpwV3luRmltWUN5RHAyTkRONENtRnRqaXdVZ1pFdkM1Sy1JU3h3SWpOX0FRcTJBemMtSTFiR1dfaThic0hXVUlPTHVBTWZ1bzRYampvWTUwNHlKVUlxeXVZTnhiTUk3LWk4bjdJZHNrN3puNHZYVjZvYUswR3gyQnhsSWhDUS12aVVaTVk0bHI3TnNILXlF?oc=5) · Banking Dive
- 2026-08-13 [Cambridge Savings Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE0wVW9heEYza1E3dF9BNVhoYldZbEt3U0FzUHhZVXV2Q21wQVFOUzRiR3dxRVlRcnpiVHczQi0zaW9DdWpPV2JoZ1VrNnhrc1N6UXcxTUIwbGJ1bjY1aDliZzd2dVNMRVpTMVNHME5QUlJIeXctOTlyM093?oc=5) · reveliolabs.com
- 2026-03-23 [This cash-rich Boston-area bank is on the lookout for deals - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxNQVFoU3I5dFg4VkQ0MkRkcmRFaVBKQWFMOW9SSFA2QkRjaU4wZ1ZkTDFFVmI1SkJlRTRnVk13dU03dzRUNFBCMUd5V21aN3Vmc0xfc193ckc4bDYwSmVIc29FNXR2UC01ZS1nQXQ4UTZ0QmluNHZvNE13VE8zWFVNd0ZwMVNmMlFEc3VnblJCVEt2T280QlJqLUhWNA?oc=5) · American Banker
- 2026-07-29 [Cambridge Savings Bank Supports Belle Brands' Acquisition of Versed Through Increased Credit Facility - Business Wire](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNTDRNZ2s2RG0xWjJEbTJhQUt4cmZ3U0V0ZXJmREFwNnAycXdVWkZmN3p3cnhoWHVIWDZHSkUxT0ZFS1M0bmFmVElUT2VQU016ZUV4QWVXMmhjV1NrVTBrY0UxdmZvRXV6d08xanJGSVFOZ1oyVjNjU0NUdFpYVV9UdkY4V1ZTOHlraDBfOVBvOVRaVXBaeWVOMFJjR2pBZWhuRm9wckU2N2EwNEl0dTZBRDV6MWtZc3FXRTFtOThjSnJmV0Y1VF9ZWF9wWUFrMlZPUWlTcENvU01adGtlcjU0ZXZpUGdpc2xQeWtGRWxR?oc=5) · Business Wire
- 2026-07-07 [Attempted ATM break-in ends in chase, arrest behind Umbrella - The Concord Bridge](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQZ0M2bGRpbHRqQlBMR2gybTFYYjlkNHlVMFQyb3J0emlrU0tFOEZCZWJHallBTFpiLUZMYzZzdWVOS24tTl9kV3ZYbVBlMGY2eFRPVlVuLUpYVllZdGhLMDIybjNReG53UC1KOVRXS3dMTlBwZEJRbGJheW82Mm5ldGFsV19oaVZvT09mNndFQU5JRnR2ZGp1Q1pGQ2xZNFpPaFZGcUMyNFJaVTA?oc=5) · The Concord Bridge
- 2026-05-06 [Cambridge Savings Bank to buy First Seacoast for $80.9M - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPd2JHY1hwMERZV25OckNOY25UWkRfQlhuVGNDak1sWTFWU0dWZkVTdU9kSF9ZTUdmdVNkYTJyeUJYNXFJeUotZHhZLW56cDQ2UU5ha2huUTZRSm9lM210blM1Zm0xa2VWQzMzWUxkSWwzUmRYSGpUSWdiTkwwaC1YMWhwb2FwTHJIMWZoSFpCdGg2VzcxR1FlWE9iZkdSQ0VkaTZ0SE5la00?oc=5) · The Business Journals
- 2026-05-06 [Cambridge Financial Group: $80.9 Million Merger Agreement With First Seacoast Bancorp - Pulse 2.0](https://news.google.com/rss/articles/CBMipgFBVV95cUxQZnFtTDk2Vkd3UEk3WDkzV25VVHpucWhjMkg1SE1EMzlZMUstcG5DYUFIeFkwdkR5TnRKSlZOYVg1cHVOM2YzX1BORmUzYXpCV0lfZUMybEVXdUJHQUswbkxNbWwxX0pxUThaUE9GRWdZWFVFc2liS01WT3BIOTdDWkh1QW0zRFZiZHl3dGtDYkZuNGFiT2FfN1otLXNwMlNRb24wampB0gGrAUFVX3lxTE9EWXpidlotamt4dXp2Q0lwaldnczdMSXFBQWpKYUVFMXVGc19pNkJ5WXZ2b2hybHYySFEwRVk5OGRrQ3N2a3FMRGE3SjRfV3RicUNwUG5CbXRPZlRQSjFNS09RS0VCR0NDZXFFdFYxUVZQNmJrV0lERWg5cGNPTjFUenp5SnVKNkp6Y1ZJR25YMVlyTUo1eFhOT0p0Wml4ZlpKMzFWa3VMNkVhNA?oc=5) · Pulse 2.0
- 2026-05-05 [Cambridge Financial Group to Acquire First Seacoast Bancorp in $80.9M All-Cash Merger - citybiz](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOMUZWelRfVFRNOHA1a09lS25faUZ6SFdBNkRrSUNGbVRJdTh1dHJHWnZHZDBhb1FYcERlZDAtZml4UmRFZlRMR0J4N2x2b1BtdEdMSTFfRHczamdrVldLQXlKaUtqdkRvMkRKUWYydlhfeUJtUVlrb0hZTjdDb1FaQlppWGVldFBSQXBkeTNONGF1ME02Sl9tX3dBTWJyam11VUN3ZzBObHE2TGZSdURoWDRNellKWjNUM2hSZ3QzWmI?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17870 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "17870", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide