East Cambridge Savings Bank
Total assets
$1.66B
▲ +3.5% YoY
Deposits
$1.34B
▲ +4.7% YoY
Loans
$1.33B
▲ +4.1% YoY
Offices
12
1854 BCORP
ROA (annualized)
0.38%
peers 1.26%
ROE (annualized)
4.02%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.5% | -2.0 pts |
| Deposit growth (YoY) | +4.7% | +5.1% | -0.3 pts |
| Loan growth (YoY) | +4.1% | +5.9% | -1.8 pts |
| ROA | 0.38% | 1.26% | -0.9 pts |
| ROE | 4.0% | 12.2% | -8.2 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
Profile
- Established
- 1854
- Charter
- State
- Primary regulator
- FED
- Holding company
- 1854 BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 292 Cambridge St, Cambridge, MA, 02141
- County
- Middlesex
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 12
- FDIC cert #
- 90173
- RSSD ID
- 738303
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.66B | $1.34B | $1.33B | $156.3M | $3.1M | 0.38% | 2.61% | 0.16% |
| Q1 2026 | $1.67B | $1.34B | $1.27B | $154.5M | $1.3M | 0.32% | 2.50% | 0.11% |
| Q4 2025 | $1.64B | $1.32B | $1.29B | $153.6M | $5.7M | 0.35% | 2.40% | 0.10% |
| Q3 2025 | $1.62B | $1.29B | $1.29B | $151.1M | $3.9M | 0.32% | 2.39% | 0.12% |
| Q2 2025 | $1.61B | $1.28B | $1.28B | $148.4M | $2.4M | 0.30% | 2.34% | 0.16% |
| Q1 2025 | $1.62B | $1.30B | $1.30B | $146.9M | $1.3M | 0.31% | 2.29% | 0.16% |
| Q4 2024 | $1.64B | $1.30B | $1.30B | $144.2M | $2.5M | 0.16% | 2.11% | 0.35% |
| Q3 2024 | $1.62B | $1.28B | $1.33B | $143.3M | $1.7M | 0.14% | 2.11% | 0.19% |
Loan mix (Q2 2026): real estate $1.29B · commercial $44.2M · consumer $8.8M · securities $142.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 1.26% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 12.2% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.61% | 3.70% | 6th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 59.0% | 94th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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