# CAMBRIDGE TRUST CO
CAMBRIDGE, MA · FDIC certificate 8152 · asset band $1-10B · latest filing 2024-06 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $5.33B | |
| Deposits | $4.04B | |
| Loans and leases | $3.96B | |
| Total equity | $515.3M | |
| Loans / deposits | 97.19% (p77 of band) | 88.26% |
| Liquid assets / assets | 20.24% (p46 of band) | |
| Uninsured deposits / deposits | 34.92% (p65 of band) | 29.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.79% (p65 of band) | |
| FHLB advances / assets | 12.79% | |
| Tier 1 leverage | 8.71% (p14 of band) | 10.09% |
| Unrealized securities loss / equity | -37.07% (p19 of band) | -15.94% |
| AOCI / equity | -0.14% (p51 of band) | |
| ROA (annualized) | 0.49% (p20 of band) | 0.90% |
| Net interest margin | 2.13% (p9 of band) | 3.16% |
| Efficiency ratio | 72.44% (p69 of band) | |
| Noncurrent loans | 0.21% (p33 of band) | 0.37% |
| Net charge-offs (annualized) | 0.25% (p90 of band) | |
| Reserve coverage of noncurrent | 423.12% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 32.44% (p27 of band) | |
| Auto loans | $153,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -9.4% | |
| Employees | 385 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 | uninsured deposits leaving | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | loans exceed deposits |  |
| 2020-09 | 0 |  | loans exceed deposits |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | uninsured deposits >50% |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | uninsured deposits >50% |
| 2023-06 | 3 | NIM <2.5% |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | deposits shrinking |  |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 3 |  |  |

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

- 2023-07-05 [Cambridge Trust nabs former SVB and First Republic bankers - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxNNUVhN2xBUDR3WUc0RUhkdVRoZmh0SU1qUEdCc3hzUlp0SEwzRG1QY2xzUWdRcmRmUmd4aGNlT0hwV0MyUWZKRGxkNTBFWlFOMlhsWi1zNzcwWU0tZVk4LWFUMnFjUlFtWW42LWhwNklUb1dwOEU0U2wzSHVISVVBR3FFcERsVlRkSHg0UmVTN015NjdO?oc=5) · The Business Journals
- 2023-09-20 [Eastern's call to sell insurance unit, buy Cambridge Trust questioned - American Banker](https://news.google.com/rss/articles/CBMipgFBVV95cUxNWW9Bai1zWHhWdVRqbjh6am5QZVZFcjBSOS1NMFdkT1UzVEdzaFFxTmVSckZVd0FraWpRemtYWEZXZGNNdVFGVlJ0VnJQZ2I0Rk9GVVNpRFpIMGZHXzFDdWVtb1VOMlBtWVliOUp0NUU4YWE2SURpd2hZT3dhM3EzdUwtYXBDN0M5MGVyX0tDbFNtVjNqdlJMRklzSjVMeDdubWtyLXpB?oc=5) · American Banker
- 2022-05-23 [Cambridge Trust to Acquire Northmark Bank - Banker & Tradesman](https://news.google.com/rss/articles/CBMifkFVX3lxTE13MHhrZElKS1N0WHV4WTNGaEd3R1RnUkNEemh5N3htQk44cmdsVzF5QU50WG50UU9Md1dlSlVLS1BwU01KX1RWcnhFTEhYbTdSOXZMVlBnalREUlVqOXhEekZaZHFfenhZcW45bHlsU0tEVHUwcjc5M1hkU2NPdw?oc=5) · Banker &amp; Tradesman
- 2018-08-03 [How many are too many banks? - NH Business Review](https://news.google.com/rss/articles/CBMiXkFVX3lxTFA4eVU4WDdZNnFBejF6a29QMmNBa2xYOXh3N0dRMHQ5OXVabE95YnE0WVhpSHN0dVd2WXhPMk5OZzJCV25mQTVwQm5hZ3ctVkZZZklBaE5ITG5MZnhMZXc?oc=5) · NH Business Review
- 2023-04-25 [Cambridge Trust sees slight decline in loans in Q1 - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxNcWNwR2w3cVFRdWl5VmxqQWRqTF94LUdobmJDd3ltWFQwV1BDOU1mX2NuZ3hvbzNsRjNheUhvUGZ2ZnNkM09tQVNjNGhtTWc3bTFycUJCWXpyV3owb29yM0l2dlh3UUVseVBDSWlDUXFpSTZaQXkta0tGcThfV1F1Nm13Z29zTEl6WnB4eUd2Yw?oc=5) · The Business Journals
- 2019-11-15 [Mass.-based Century Bank to open branch in New Hampshire - NH Business Review](https://news.google.com/rss/articles/CBMifEFVX3lxTE1lM3BZQS1NUTQwRzFQVVBlalNDRldtbUVsSFdfZGIwRlVlQU5xLVpEZE9NcmRydnBHWmc0eGIxLWtzN3QtSkpWWFJvSVY4RVJWaWtBeW9FUEsxbk9kRzJEQVRKUHJ4OENqbUQ4VGpNWDh1aGdXWEhzS1NiTkk?oc=5) · NH Business Review
- 2021-10-14 [Patrick Devlin Obituary (2005) - Weston, MA - Boston Globe - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxOQlc4ZndJM1dVb0IyUS1ybkYxaFQwM3BHNllwQjlNNmJfemp5d09BVnk4cDQ3WGk4MThQY1lyRXhOWWVQdVpZUGJLWU1XY2xlMHc4MldZZFdXT1ktSXd1a0kxZFVlbkp2Q0RpWl9lTjJneXRPY09NU2NPTndWT3dJeDgybk9FcTFjQXVIak9QYmFDTkk?oc=5) · Legacy obituary
- 2024-12-31 [These Mass. bank mergers, acquisitions made headlines in 2024 - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxOYUlEb1F2cTliRUc1amEzQ051M0N0SXY4U1BrdzVCV0VwQ1pSRlZWU1I1V05LNllmZ0ZkcVJNNG1FQ3g0MkVzeFBIYi1ZZEt4V2J4a0lEX2M0M1BLU212bUp2eWl0MFZoaTlxN0NLZ1VsMjR3cmlXSWVQeFBjV2h0cUZidGdrYm5kNTFnZjVFRDBMaEh0S2c?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8152 (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/24.json (key "8152", 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