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Cambridge Trust Company

IDRSSD: 736206
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q2QoQ -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-Q2

Bank #736206 2024-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.57% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ +1
66
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 97.2%, cash 0.6% of assets.

Cash / Assets
0.57%
Loans / Deposits
97.19%
Brokered %
0.00%

Watch Items

  • riskCash / Assets below 3% — Cash 0.57% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 17.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.25%
No watch items at this period.

Capitalization

StrongQoQ -1
83
Sub-score

Capital position is strong: Tier 1 RBC 12.97%, CET1 12.97%, leverage 8.60%.

Tier 1 RBC
12.97%
CET1
12.97%
Leverage
8.60%
No watch items at this period.

Asset Quality

StrongQoQ -8
91
Sub-score

Asset quality is strong: Adjusted NPL 0.22%, Texas Ratio 1.7%, NCO YTD 0.67%.

Adjusted NPL
0.22%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.67%
30-89 PD
1.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -3
80
Sub-score

Reserves are strong: ALLL 0.90% of loans, coverage 423.1%, true coverage 423.1%.

ALLL / Loans
0.90%
Coverage
423.1%
True Loss Coverage
423.1%
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: 2026-05-15 08:12:18 UTC