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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q3QoQ +5

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

Quarterly Headline

2025-Q3

Bank #758703 2025-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.1% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.82% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +11
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ 0
60
Sub-score

Liquidity is stable: brokered 6.1%, loans/deposits 105.1%, cash 1.8% of assets.

Cash / Assets
1.82%
Loans / Deposits
105.12%
Brokered %
6.14%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.1% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.82% 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
1.67%
No watch items at this period.

Capitalization

StrongQoQ +11
84
Sub-score

Capital position is strong: Tier 1 RBC 12.54%, CET1 12.54%, leverage 9.95%.

Tier 1 RBC
12.54%
CET1
12.54%
Leverage
9.95%
No watch items at this period.

Asset Quality

StrongQoQ +8
100
Sub-score

Asset quality is strong: Adjusted NPL 0.48%, Texas Ratio 3.7%, NCO YTD 0.00%.

Adjusted NPL
0.48%
Govt-guarantees stripped
Texas Ratio
3.7%
NCO YTD
0.00%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
70
Sub-score

Reserves are stable: ALLL 0.88% of loans, coverage 184.3%, true coverage 88.6%.

ALLL / Loans
0.88%
Coverage
184.3%
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