🏦Bank Scorer

CAMBRIDGE SAVINGS BANK

CAMBRIDGE, MA · Supervised by FDIC

Est. 1834FDIC #17,870RSSD: FDIC-17870
Part ofCAMBRIDGE FINANCIAL GROUP INC→ View all charters
Outstanding Same

Current rating · Exam: April 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.32%

Institution Profile

FDIC BankFind

Address

1374 Massachusetts Ave, CAMBRIDGE, MA

County

Middlesex County

Established

April 2, 1834

Total Assets

$6.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$6.9B

Total Deposits

$5.5B

Net Loans

$5.7B

Net Income

$5M

ROA

0.32%

ROE

3.12%

Risk-Based Capital

13.86%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate8.41%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

21

Branch Deposits

$5.4B

1-Year Change

+1

5-year net change: +3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,23777.53%8.41%
20231,40476.28%9.97%
20222,25280.73%7.24%
20212,38885.13%3.69%
20202,52379.79%4.76%
20191,53677.21%5.92%
20181,17676.19%8.08%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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