Side-by-side · Q2 2026 data
Cambridge Savings Bank vs Needham Bank
Metric by metric
| Measure | Cambridge Savings Bank | Needham Bank |
|---|---|---|
| TellerScore | 51 | 67 (stronger) |
| Capital cushion | 52 | 59 (stronger) |
| Loan quality | 58 | 86 (stronger) |
| Earnings | 34 | 60 (stronger) |
| Funding & liquidity | 37 | 44 (stronger) |
| Problem-loan coverage | 81 | 94 (stronger) |
| Peer percentile | 8th | 44th |
| Total assets | $7.0B | $7.4B |
| Deposits / shares | $5.4B | $6.3B |
| Capital ratio | 10.25% | 10.89% (stronger) |
| Problem loans | 1.26% | 0.43% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.47% |
| Return on assets | 0.36% | 1.01% (stronger) |
| Loans ÷ deposits | 107.7% | 101.3% (stronger) |
| Uninsured deposits | 29.3% | 28.2% (stronger) |
| Offices | 19 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | 19.8% |
Needham Bank has the higher TellerScore (67 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Cambridge Savings Bank leads on 1 and Needham Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.