Cambridge Savings Bank: how it compares with its peers
Against 8 MA banks with half to twice its assets, Cambridge Savings Bank's strongest measure in Q2 2026 is net interest margin (2.80% vs. a 2.65% peer median). Its weakest relative measure is return on assets (0.36% vs. 0.90%).
| Measure | Cambridge Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.36% | 0.90% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.80% | 2.65% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.88% | 65.80% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.8M | $12.9M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 107.71% | 101.58% | Context |
What it means for lending operations
Its efficiency ratio of 75.88% is above the 65.80% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Needham Bank Needham, MA · $7.42B
- Middlesex Savings Bank Natick, MA · $6.15B
- The Cape Cod Five Cents Savings Bank Hyannis, MA · $5.62B
- Institution for Savings in Newburyport and Its Vicinity Newburyport, MA · $5.56B
- Leader Bank, National Association Arlington, MA · $5.28B
- Salem Five Cents Savings Bank Salem, MA · $8.82B
Questions about Cambridge Savings Bank
How big is Cambridge Savings Bank?
Cambridge Savings Bank, established in 1834, is headquartered in Cambridge, MA. It reported $6.98B in total assets in its Q2 2026 FDIC call report and operates 26 offices.
What is Cambridge Savings Bank's return on assets?
0.36% annualized in Q2 2026, against a 0.90% median for 8 MA banks with half to twice its assets, ahead of 0% of them.
What is Cambridge Savings Bank's efficiency ratio?
75.88% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 65.80%, and lower is better.
Is Cambridge Savings Bank growing its loans?
Net loans grew 0.8% over the year to Q2 2026, while deposits shrank 1.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.