East Cambridge Savings Bank
Cambridge, MA
IDRSSD: 738303
Total Assets
$1.62B
Latest filing
Total Deposits
$1.29B
Latest filing
Net Interest Margin
2.48%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
East Cambridge Savings Bank
292 Cambridge St
Cambridge, MA 02141
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/02/1854FDIC Certificate 17766
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| East Cambridge Savings Bank (Main) | 292 Cambridge St | Cambridge, MA |
| CAMBRIDGE BRANCH | 1310 Cambridge St | Cambridge, MA |
| HIGHLAND BRANCH | 285 Highland Ave | Somerville, MA |
| CAMBRIDGE BRANCH | 459 Broadway | Cambridge, MA |
| TRAPELO ROAD BANKING CENTER | 395 Trapelo Rd | Belmont, MA |
| CHELSA BANK BRANCH | 360 Broadway | Chelsea, MA |
| WAL-LEX SHOPPING CENTER BRANCH | 860 Lexington St | Waltham, MA |
| PATRIOT BRANCH | 237 Lexington St | Woburn, MA |
Showing 7 of 11
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 04/02/1854 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 02141 |
| State and County Number | 25017 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 15 |
| 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 | 155 |
| Domestic Offices | 12 |
| 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 | 06/18/1985 |
| Primary Insurance Agency | DIF |
| Website | www.ecsb.com |
| Data Updated | 11/14/2025 |
| CERT | 90173 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.62B |
| Total Deposits | $1.29B |
| Total Liabilities | $1.47B |
| Total Equity Capital | $151.09M |
| Net Income | $1.50M |
| Net Loans and Leases | $1.29B |
| Assets Per Employee ($Millions) | $10.62M |
| Bank Premises and Fixed Assets | $13.39M |
| Cash and Balances due from Depository Institutions | $118.33M |
| Deposits Held in Domestic Offices | $1.29B |
Key Performance Ratios
| Return on Assets (ROA) | 0.37% |
| Return on Equity (ROE) | 4% |
| Net Interest Margin | 2.48% |
| Efficiency Ratio | 82.24% |
| Tier 1 Risk-Based Capital Ratio | 14.502% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.298% |
| Earning Assets to total Assets | 94.49% |
Income and Expense
| Total Interest Income | $18.25M |
| Total Noninterest Income | $1.30M |
| Total Interest Expense | $8.77M |
| Total Noninterest Expense | $8.92M |
| Net Interest Income | $9.48M |
| Pre-tax Net Operating Income | $1.90M |
| Provision for Credit Losses | $-46,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $97.00k |
| Other borrowed funds | $167.04M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $13.75M |
| Total Liabilities and Capital | $1.62B |
Securities
| Securities | $130.64M |
| Available-for-sale debt securities | $87.71M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $42.92M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of East Cambridge Savings Bank?
$1.62B as of the latest filing.
How much are East Cambridge Savings Bank's total deposits?
$1.29B in total deposits.
Where is East Cambridge Savings Bank located?
Cambridge, MA.
What is the Net Interest Margin?
2.48%.
How many domestic offices does it operate?
12.
When was it established?
04/02/1854.
What is the Return on Assets (ROA)?
0.37%.
How much are total loans and leases?
$1.29B (latest filing).
What is the total interest income (latest filing)?
$18.25M.