Vitals
  • Total Assets
    3.4B 7.3 %
  • Total Deposits
    2.6B 3.6 %
  • Total Net Loans
    2.6B 9.9 %
  • Net Income
    21.0M 25.9 %
  • Book Value
    313.2M 8.5 %
  • Book Value x2
    626.4M 8.5 %
  • Book Value x3
    939.6M 8.5 %
ROAA

.638

ROAE

6.939

Efficiency Ratio

67.847

Net Interest Margin

3.068

Balance Sheet Highlights
Financial Highlights Cambridge Savings Bank All Insured Savings Banks in Massachusetts
Balance Sheet $(000)
Total Assets 3,405,811 761,274
Total Net Loans 2,646,709 592,852
Total Deposits 2,647,383 596,855
Total Equity 313,213 82,059
Profitability
Net Income 20,987 4,648
Return on Average Assets .638 .538
Return on Average Equity 6.939 4.944
Net Interest Margin 3.068 3.143
Efficiency Ratio 67.847 77.098
Noninterest Income/Revenue 11.037 14.538
Balance Sheet Ratios
Loan-to-Deposit 99.975 95.714
Securities/Assets .14 .124
Total Equity/Total Assets .092 .108
Tangible Equity/Tangible Assets .092 .106
Capital Adequacy
Tier 1 Common Capital 310,538 80,540
Tier 1 Capital 310,538 80,580
Tier 2 Capital 30,238 5,839
Total Capital 340,776 86,408
Total Risk Weighted Assets 2,757,739 559,688
Leverage Ratio 9.17 10.827
Common Equity Tier 1 Capital Ratio 11.26 15.478
Tier 1 Capital Ratio 11.26 15.53
Total Capital Ratio 12.36 16.563

Timeline for Cambridge Savings Bank

Csb Transaction Llc

Csb Transaction Llc became a new subsidiary organization for Cambridge Savings Bank.

View Profile Jul 24 2008

Farwell Landing, Llc

Farwell Landing, Llc became a new subsidiary organization for Cambridge Savings Bank.

View Profile May 06 2008

Cambridge Savings Charitable Foundation, Inc.

Cambridge Savings Charitable Foundation, Inc. became a new subsidiary organization for Cambridge Savings Bank.

View Profile Apr 15 2003

Porter Realty Investment, Inc.

Porter Realty Investment, Inc. became a new subsidiary organization for Cambridge Savings Bank.

View Profile Apr 23 2002

Cambridge Appleton Trust, N.A.

Cambridge Appleton Trust, N.A. became a new subsidiary organization for Cambridge Savings Bank.

View Profile Jan 19 1999

Want to see more?

Complete timeline for Cambridge Savings Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bank Five For Savings Seller 386,572 Failure 9/21/1991
North Avenue Savings Bank Seller Discontinued 6/10/1971
Relationships Role Relationship Start Relationship End
Cambridge Financial Group, Inc. Parent 9/16/1998
Porter Dunster, Inc. Subsidary 6/30/2007
Porter Securities, Inc. Subsidary 6/30/2007
Porter Securities, Inc. Ii Subsidary 6/30/2007
Porter Securities, Inc. Iii Subsidary 6/30/2007
Cambridge Appleton Trust, N.A. Subsidary 12/1/2004
Cambridge Savings Charitable Foundation, Inc. Subsidary 4/15/2003
Csb Transaction Llc Subsidary 7/24/2008
Farwell Landing, Llc Subsidary 5/6/2008 2/24/2009
Porter Dunster, Inc. Subsidary 9/16/1998 6/29/2007
Porter Securities, Inc. Subsidary 9/16/1998 6/29/2007
Porter Securities, Inc. Ii Subsidary 9/16/1998 6/29/2007
Porter Securities, Inc. Iii Subsidary 9/16/1998 6/29/2007
Cambridge Appleton Trust, N.A. Subsidary 1/19/1999 11/30/2004
Porter Realty Investment, Inc. Subsidary 4/23/2002 11/12/2003
1834 Realty, Inc. Subsidary 9/16/1998 5/13/1999
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