Headquartered in Cambridge, Massachusetts, Cambridge Savings Bank is a state-chartered bank with $7.0B in total assets and $5.4B in deposits as of Q2 2026. It operates 21 offices. Its charter dates back to 1834.
Cambridge Savings Bank has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 82nd. Problem-loan coverage contributes the most (81/100, 9.5%); earnings contributes the least (34/100, 0.36%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 7 points (58 → 51), mostly because the loan quality component weakened by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 51 |
| Q4 2024 | 53 |
| Q1 2025 | 54 |
| Q2 2025 | 58 |
| Q3 2025 | 64 |
| Q4 2025 | 61 |
| Q1 2026 | 55 |
| Q2 2026 | 51 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.89% |
| Q3 2024 | 8.90% |
| Q4 2024 | 9.11% |
| Q1 2025 | 9.30% |
| Q2 2025 | 9.47% |
| Q3 2025 | 9.98% |
| Q4 2025 | 10.07% |
| Q1 2026 | 10.25% |
| Q2 2026 | 10.25% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.48% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.79% |
| Q1 2026 | 0.94% |
| Q2 2026 | 1.26% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.37% |
| Q2 2025 | 0.47% |
| Q3 2025 | 1.09% |
| Q4 2025 | 0.97% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $7.0B | 10.25% | 1.26% | 0.36% | 107.7% |
| Q1 2026 | 55 | $6.9B | 10.25% | 0.94% | 0.32% | 102.9% |
| Q4 2025 | 61 | $6.9B | 10.07% | 0.79% | 0.97% | 101.7% |
| Q3 2025 | 64 | $7.0B | 9.98% | 0.48% | 1.09% | 105.1% |
| Q2 2025 | 58 | $6.9B | 9.47% | 0.48% | 0.47% | 105.7% |
| Q1 2025 | 54 | $6.8B | 9.30% | 0.71% | 0.37% | 102.7% |
| Q4 2024 | 53 | $6.9B | 9.11% | 0.75% | 0.35% | 104.5% |
| Q3 2024 | 51 | $7.0B | 8.90% | 0.83% | 0.33% | 103.4% |
| Q2 2024 | 54 | $7.1B | 8.89% | 0.53% | 0.37% | 104.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Needham BankBank Needham, MA | 67 out of 100, Moderate | $7.4B | 10.9% | 0.43% | vs |
| Middlesex Savings BankBank Natick, MA | 79 out of 100, Strong | $6.1B | 13.4% | 0.33% | vs |
| The Cape Cod Five Cents Savings BankBank Hyannis, MA | 68 out of 100, Moderate | $5.6B | 11.1% | 0.47% | vs |
| Institution for Savings in Newburyport and Its VicinityBank Newburyport, MA | 76 out of 100, Strong | $5.6B | 12.7% | 0.04% | vs |
| Leader Bank, National AssociationBank Arlington, MA | 71 out of 100, Strong | $5.3B | 11.6% | 0.03% | vs |
| Salem Five Cents Savings BankBank Salem, MA | 67 out of 100, Moderate | $8.8B | 10.5% | 0.36% | vs |
Deposit insurance
Is my money safe at Cambridge Savings Bank?
Yes. Cambridge Savings Bank is an FDIC-insured institution (FDIC certificate #17870). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.3% of deposits ($1.6B) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.71% (benchmark: 10%).
21 locations
Branches
Cambridge Savings Bank lists 19 offices in 13 cities. Most locations:
- Cambridge, MA (4)
- Arlington, MA (3)
- Burlington, MA (2)
- Bedford, MA (1)
- Belmont, MA (1)
- Charlestown, MA (1)
- Concord, MA (1)
- Dorchester, MA (1)
- Lexington, MA (1)
- Melrose, MA (1)
- Newton Center, MA (1)
- Somerville, MA (1)
HMDA 2025
Mortgage lending
In 2025, Cambridge Savings Bank reported 1,288 home-loan applications under HMDA (LEI 549300FHGNOLF14HHS09): 1,060 originated ($566,370,000 total), 88 denied, and 127 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Cambridge Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 17870
- RSSD ID
- 758703
- Primary regulator
- FDIC
- Holding company
- Cambridge Financial Group Inc
- Established
- April 2, 1834
- Headquarters
- 1374 Massachusetts Ave, Cambridge, MA 02138
- Website
- www.cambridgesavings.com
- Employees
- 506
Quick answers
Cambridge Savings Bank: common questions
Is Cambridge Savings Bank FDIC insured?
Yes. Cambridge Savings Bank is an FDIC-insured institution (FDIC certificate #17870). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cambridge Savings Bank's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Cambridge Savings Bank ever failed?
There is no failure record for FDIC certificate #17870 in the FDIC failed bank list.
How many branches does Cambridge Savings Bank have?
21 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cambridge
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Watertown Municipal Credit UnionCredit union Watertown, MA | 91 out of 100, Very strong | $9.7M | 36.9% | 0.00% | vs |
| Billerica Municipal Employees Credit UnionCredit union Billerica, MA | 91 out of 100, Very strong | $23.6M | 17.8% | 0.00% | vs |