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Cambridge Savings Bank

IDRSSD: 758703
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q4QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #758703 2024-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.21% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.5% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ -1
61
Sub-score

Liquidity is stable: brokered 2.9%, loans/deposits 104.5%, cash 1.2% of assets.

Cash / Assets
1.21%
Loans / Deposits
104.46%
Brokered %
2.88%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.5% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.21% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.68%
No watch items at this period.

Capitalization

StableQoQ +4
68
Sub-score

Capital position is stable: Tier 1 RBC 11.35%, CET1 11.35%, leverage 9.08%.

Tier 1 RBC
11.35%
CET1
11.35%
Leverage
9.08%
No watch items at this period.

Asset Quality

StrongQoQ +1
97
Sub-score

Asset quality is strong: Adjusted NPL 0.76%, Texas Ratio 6.2%, NCO YTD 0.00%.

Adjusted NPL
0.76%
Govt-guarantees stripped
Texas Ratio
6.2%
NCO YTD
0.00%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
72
Sub-score

Reserves are stable: ALLL 1.05% of loans, coverage 140.5%, true coverage 140.5%.

ALLL / Loans
1.05%
Coverage
140.5%
True Loss Coverage
140.5%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 19:57:23 UTC