| Metric | Cambridge Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +5.5% | -4.6 pts |
| Deposit growth (YoY) | -1.1% | +5.1% | -6.2 pts |
| Loan growth (YoY) | +0.8% | +5.9% | -5.1 pts |
| ROA | 0.36% | 1.26% | -0.9 pts |
| ROE | 3.5% | 12.2% | -8.6 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.98B | $5.35B | $5.76B | $711.6M | $12.5M | 0.36% | 2.80% | 1.05% |
| Q1 2026 | $6.91B | $5.52B | $5.68B | $704.9M | $5.5M | 0.32% | 2.80% | 0.78% |
| Q4 2025 | $6.94B | $5.57B | $5.66B | $703.5M | $67.0M | 0.97% | 2.78% | 0.65% |
| Q3 2025 | $6.95B | $5.45B | $5.73B | $689.9M | $56.2M | 1.09% | 2.75% | 0.40% |
| Q2 2025 | $6.92B | $5.41B | $5.72B | $645.8M | $16.1M | 0.47% | 2.72% | 0.40% |
| Q1 2025 | $6.84B | $5.49B | $5.63B | $635.8M | $6.3M | 0.37% | 2.73% | 0.59% |
| Q4 2024 | $6.88B | $5.44B | $5.68B | $626.3M | $24.4M | 0.35% | 2.39% | 0.63% |
| Q3 2024 | $6.97B | $5.56B | $5.75B | $628.3M | $17.2M | 0.33% | 2.36% | 0.69% |
Loan mix (Q2 2026): real estate $4.91B · commercial $896.5M · consumer $1.4M · securities $748.6M
| Ratio | Cambridge Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 1.26% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 12.2% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 59.0% | 89th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Cambridge Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Cambridge Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Cambridge Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Cambridge Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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