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Cambridge Savings Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q2QoQ -3

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

Quarterly Headline

2025-Q2

Bank #758703 2025-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.7% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.41% of assets (threshold 3%).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.06% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -9

The five pillars

Liquidity

WatchQoQ -2
60
Sub-score

Liquidity is deteriorating: brokered 5.1%, loans/deposits 105.7%, cash 1.4% of assets.

Cash / Assets
1.41%
Loans / Deposits
105.67%
Brokered %
5.08%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.7% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.41% 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
1.71%
No watch items at this period.

Capitalization

StableQoQ 0
73
Sub-score

Capital position is stable: Tier 1 RBC 11.74%, CET1 11.74%, leverage 9.44%.

Tier 1 RBC
11.74%
CET1
11.74%
Leverage
9.44%
No watch items at this period.

Asset Quality

StrongQoQ -5
91
Sub-score

Asset quality is strong: Adjusted NPL 0.48%, Texas Ratio 3.9%, NCO YTD 1.06%.

Adjusted NPL
0.48%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
1.06%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.06% of loans.

Reserves

StableQoQ -9
70
Sub-score

Reserves are stable: ALLL 0.88% of loans, coverage 182.9%, true coverage 88.6%.

ALLL / Loans
0.88%
Coverage
182.9%
True Loss Coverage
88.6%
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