# EAST CAMBRIDGE SAVINGS BANK
CAMBRIDGE, MA · FDIC certificate 90173 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $1.66B | |
| Deposits | $1.34B | |
| Loans and leases | $1.34B | |
| Total equity | $156.3M | |
| Loans / deposits | 99.60% (p84 of band) | 87.10% |
| Liquid assets / assets | 14.57% (p21 of band) | |
| Uninsured deposits / deposits | 37.18% (p67 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.28% (p62 of band) | |
| FHLB advances / assets | 9.28% | |
| Tier 1 leverage | 9.69% (p28 of band) | 10.50% |
| Unrealized securities loss / equity | -10.99% (p38 of band) | -7.75% |
| AOCI / equity | -0.25% (p53 of band) | |
| ROA (annualized) | 0.38% (p6 of band) | 1.26% |
| Net interest margin | 2.61% (p7 of band) | 3.70% |
| Efficiency ratio | 81.42% (p94 of band) | |
| Noncurrent loans | 0.20% (p23 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | 292.17% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 51.04% (p54 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 153 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | capital falling, reserve under noncurrent |  |
| 2013-03 | 1 |  | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | expense ratio p90 |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | expense ratio p90 |
| 2018-06 | 1 | expense ratio p90 |  |
| 2018-09 | 0 |  | expense ratio p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | capital falling, expense ratio p90 |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 0 |  | expense ratio p90 |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | capital falling, expense ratio p90 |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | expense ratio p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | construction >100% equity |  |
| 2022-12 | 3 | loans exceed deposits, liquid assets <10% | construction >100% equity |
| 2023-03 | 0 |  | capital falling, loans exceed deposits, liquid assets <10% |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | expense ratio p90 |  |
| 2023-12 | 1 | loans exceed deposits | expense ratio p90 |
| 2024-03 | 4 | expense ratio p90, NIM <2.5%, deposits shrinking |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 | capital falling | loans exceed deposits, deposits shrinking |
| 2025-03 | 1 |  | expense ratio p90, capital falling |
| 2025-06 | 3 | loans exceed deposits, expense ratio p90 |  |
| 2025-09 | 2 |  | loans exceed deposits |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | NIM <2.5% |
| 2026-06 | 1 |  |  |

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

- 2026-01-02 [Project Bread President and CEO Erin McAleer speaks at JBGC Breakfast - Chelsea Record](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOeE9veHpCV0Z4S1RvaTVKM2hHZXFEdmdXS3pCcEtfbmVNT0dOMnBjQWxlakVmQlc2bDg2bFNUY1dDZ2dfNUttdkx3TWkzWkFWOUkxaDljYnFZeWFOcG9iMHNvNnRYSGRydVBfeUNxek9hak1MUzI5b0RuSHNaUURNMlpTNVhucHN5VlBISXFpbDRLOHRDNi1yeE00akVzRnY0eF82cnZiV01MZGc?oc=5) · Chelsea Record
- 2022-08-17 [East Cambridge Savings Bank supports food pantry and local YMCA to celebrate joining the Woburn community - Fall River Herald News](https://news.google.com/rss/articles/CBMihAJBVV95cUxPM3JadjNiYjJDbWRnMzl3b2VoU1RWaGozQkNCdjJRUmszd3NOcThUbjl1N3FaSkpXNkQtUno4ZVVHd01fNjZ3dHNQZks1QlZna0hjOXhTanJpTjZzR0k0Rm51d0QwOFUwZUF5YmdCSWVCYlVlQU8tQVJmSlBXRXJwOTNpZWhoVS1RaGxkcU9lNlVOZWlwaV91YmtpY01fYUtaV2lFbFZma0F4VkY0TkRWX29vMUlRek5OUml4R1gtdkxROVdPZ1Eyc0EtcWZnWTNNUjNZWDRhYnNRWjVxcUU2Vk9HWGdpRWh2d3N2S0s2VHFQanVkbGpmV29zeVBucENfR3pTNA?oc=5) · Fall River Herald News
- 2023-03-28 [East Cambridge Savings Bank taps in Timothy E. Bombard as new president and CEO - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxPNXY1eTlpWmgxVFZ1THVDOGVBSmN5YVQ0UTB4cER1TUtnQS1XZy1YZk9HRXhpSXpmazUwaFJQeEhsS0FqQzgyVmdwTVczU2l0SFZDMHVXVkhzQ2ppV0xlU2hjbG1QTTB0X24yNUZNWlFYNWtVM1MwMnZPZEVBTXcxVGhRdEZ4WUtueFFXSThYQ0tGLS1mWUZnQ1l0cFd1Z3Qy?oc=5) · The Business Journals
- 2021-02-03 [East Cambridge Savings Bank celebrates one year in Malden - Wicked Local](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNdnoxVUlySFM5U2lZamJkNUtmUThTZWZZVWJsQmplUWd4ck5lNTBqQW1FendHUTNCSWtNNFp5a0l2ZmE0ZHIzanRCN1NkNnpxVHhrSkF1XzlrNEVfWUM1TWgzTGFjRmNKMTV2b2psRHhtUGhyWk5qOC01YkVPNDEtSjJhYlRZRUlEalZMQllDc3RGWHhqdXY1cnh0ZVV4LWdwQmdYYWZBTFNPTXFBUko0S0xqWVpsWEhVWlFtQ0FpdWUwSllYMzdnQw?oc=5) · Wicked Local
- 2022-02-24 [East Cambridge Savings Bank to Acquire Patriot Community Bank - Banker & Tradesman](https://news.google.com/rss/articles/CBMimAFBVV95cUxPUDh4ZWgyV1FCVURUZGxSSHRNX1FmS21JNlpILWNzck9OZndSd1pkcUh1Qlk0c0puV2cxZk9LSU0wY1QtNjY4MkxzTklOUFVia3U5RXQwdFh5X1pBdVc3OU9ZMTRCQ0o4LVhlX01qVEU5eHR1S2tMTXowVmlmU1JlUHh2ZzNydkk5ZDJrcWd1blNBUWZjTlU4RA?oc=5) · Banker &amp; Tradesman
- 2017-02-05 [Rielly hired as VP by East Cambridge Savings Bank - Worcester Telegram](https://news.google.com/rss/articles/CBMixgFBVV95cUxNMjVCNW1QSVVwNU14QnYtTWQydVEzYWZnemFxbWJrZE9DdkpSSlh0N0hRMGdkRFl4QkIzdzJGTU1QcHd5bVFwbVplUTRBdFhsaEt5NW9CNW1kRU0xcFlKSVdQQy1WNFpIbTZtdHo4VTYyQ1kyMHRpY3k2OUR6TXlWcEI4cldDWVpLel9Xd1JZa2Z1Y19SclhJRVNacDVUT3ExaHRLQXRaYXBhTjJ1cXRYdk5Fd0dLemh0YXVWRHYtNXJOSmxPaFE?oc=5) · Worcester Telegram
- 2025-01-23 [Alleged Somerville bank robber appears in court - WHDH](https://news.google.com/rss/articles/CBMiekFVX3lxTFBmcmpOOHpaenc5aHl0MExkYi1GV1dwU2pTTTQ3OUZnZW5BUlhuekxxNzVkOGZUY2ZZcEJaZEkxNC1WR1I3bTFudDh6VGVWYUNqYktzY3o1RlVud2lQaERKMk41eVA5LUd6cE5nVE1KalhYRGJsUnluazNB?oc=5) · WHDH
- 2024-04-11 [Creative Malden recipient of sponsorship check from East Cambridge Savings Bank - Artists Take the Streets event on June 22 - Advocate News Online](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQc01INU5qck43Ykx6WUV0VktWNzVXOVMyZXF2d21IS2I1azJnXzhncl8xVDlZN1g2TVRiYmdOdExjc3NORVlUQkN6V28wdkl4X21pQ0o3WVprOVE2bVJUTzVYODBwNENvWFpid3BuelVKaVQ5MEtmTktQNkpEazN0aElFVlJ0aG9vQTBvQmU0T0g1V2hVYXZqZFl6YzVMNzJ4anBnZVpjWjBMMzRJd3AxZTFSWkZ3djVzbjhjSkZRWS1EU19URC15cDdEUU1oY3R2Tkp2YVVkNDFVUE15RnV1Y0VSVFpsbEc4RkxEaGdLYjc?oc=5) · Advocate News Online

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90173 (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/61.json (key "90173", 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