Side-by-side · Q2 2026 data
East Cambridge Savings Bank vs Main Street Bank
Metric by metric
| Measure | East Cambridge Savings Bank | Main Street Bank |
|---|---|---|
| TellerScore | 59 (stronger) | 58 |
| Capital cushion | 47 | 70 (stronger) |
| Loan quality | 93 (stronger) | 44 |
| Earnings | 35 | 45 (stronger) |
| Funding & liquidity | 36 | 58 (stronger) |
| Problem-loan coverage | 97 (stronger) | 78 |
| Peer percentile | 19th | 17th |
| Total assets | $1.7B | $1.7B |
| Deposits / shares | $1.3B | $1.4B |
| Capital ratio | 9.69% | 12.04% (stronger) |
| Problem loans | 0.20% (stronger) | 1.69% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 0.38% | 0.63% (stronger) |
| Loans ÷ deposits | 99.6% | 89.3% (stronger) |
| Uninsured deposits | 37.2% | 26.3% (stronger) |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | 20.9% |
East Cambridge Savings Bank has the higher TellerScore (59 vs 58). On the 7 directional measures above (where higher or lower is clearly better), East Cambridge Savings Bank leads on 2 and Main Street Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.