Cambridge Savings Bank
Cambridge, MA
IDRSSD: 758703
Total Assets
$6.94B
Latest filing
Total Deposits
$5.57B
Latest filing
Net Interest Margin
2.85%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
4 routesView all→
011302603CAMBRIDGE, MA011402079CAMBRIDGE, MA211371120WALTHAM, MA211372310CAMBRIDGE, MA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Cambridge Savings Bank
1374 Massachusetts Ave
Cambridge, MA 02138
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/02/1834FDIC Certificate 11809
Branches (20)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Cambridge Savings Bank (Main) | 1374 Massachusetts Ave | Cambridge, MA |
| ARLINGTON CENTER BRANCH | 626 Massachusetts Ave | Arlington, MA |
| BELMONT BRANCH | 40 Leonard St | Belmont, MA |
| PORTER SQUARE SHOPPING CENTER BRANCH | 53 White St | Cambridge, MA |
| CAMBRIDGE STREET BRANCH | 1378 Cambridge St | Cambridge, MA |
| LEXINGTON BRANCH | 1781 Massachusetts Ave | Lexington, MA |
| EAST ARLINGTON BRANCH | 188 Massachusetts Ave | Arlington, MA |
| ARLINGTON HEIGHTS BRANCH | 1300 Massachusetts Ave | Arlington, MA |
Showing 7 of 20
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/02/1834 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 02138 |
| State and County Number | 25017 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 484 |
| Domestic Offices | 21 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 07/02/1958 |
| Primary Insurance Agency | DIF |
| Website | www.cambridgesavings.com |
| Data Updated | 01/30/2026 |
| CERT | 17870 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $6.94B |
| Total Deposits | $5.57B |
| Total Liabilities | $6.23B |
| Total Equity Capital | $703.53M |
| Net Income | $10.71M |
| Net Loans and Leases | $5.66B |
| Assets Per Employee ($Millions) | $14.22M |
| Bank Premises and Fixed Assets | $41.84M |
| Cash and Balances due from Depository Institutions | $170.47M |
| Deposits Held in Domestic Offices | $5.57B |
Key Performance Ratios
| Return on Assets (ROA) | 0.62% |
| Return on Equity (ROE) | 6.15% |
| Net Interest Margin | 2.85% |
| Efficiency Ratio | 75.08% |
| Tier 1 Risk-Based Capital Ratio | 12.792% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.141% |
| Earning Assets to total Assets | 94.37% |
Income and Expense
| Total Interest Income | $86.72M |
| Total Noninterest Income | $3.54M |
| Total Interest Expense | $40.02M |
| Total Noninterest Expense | $37.75M |
| Net Interest Income | $46.71M |
| Pre-tax Net Operating Income | $12.51M |
| Provision for Credit Losses | $-1,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $545.72M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $117.91M |
| Total Liabilities and Capital | $6.94B |
Securities
| Securities | $740.83M |
| Available-for-sale debt securities | $593.44M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $130.26M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cambridge Savings Bank?
$6.94B as of the latest filing.
How much are Cambridge Savings Bank's total deposits?
$5.57B in total deposits.
Where is Cambridge Savings Bank located?
Cambridge, MA.
What is the Net Interest Margin?
2.85%.
How many domestic offices does it operate?
21.
When was it established?
04/02/1834.
What is the Return on Assets (ROA)?
0.62%.
How much are total loans and leases?
$5.66B (latest filing).
What is the total interest income (latest filing)?
$86.72M.