Cambridge Trust Company

1336 Massachusetts Avenue
Cambridge, MA 02138

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8152
Date Established 1890
Assets $1.90 billion
Loans $1.31 billion
Deposits $1.62 billion
Capital $0.14 billion

Cambridge Trust Company is an FDIC insured institution located in Cambridge, MA. It was founded in 1890 and has approximately $1.9 billion in assets. Customers can open an account at one of its 16 branches.

For a more detailed analysis of Cambridge Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Cambridge Trust Company’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Massachusetts, Cambridge Trust Company has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 49.21
Multifamily
Mortgages
15.50
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 3.18
Construction and Development Loans 2.58
Commercial Real Estate 26.26
Commercial and Industrial Loans 4.35
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $1,000 - Learn MoreShow Less
Special: 5 Mo CD
0.20% $10,000 - Learn MoreShow Less
6 Mo CD 10K
0.20% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.02% $1 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.30% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.25% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.15% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $1,500 - Learn MoreShow Less
Checking Rates APY MIN FEE
Access Checking 0.00% $5,000 $12.00 Learn MoreShow Less
Value Checking 0.00% $0 $9.95 Learn MoreShow Less
Premium Relationship 0.05% $10,000 $18.00 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Cambridge Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Cambridge Trust Company Locations

Financial Details

Cambridge Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cambridge Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Cambridge Trust Company U.S. Bank Average
1.36% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Cambridge Trust Company had $2,085,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $138,562,000 in equity and $15,303,000 in loans loss reserves. That gives it a Texas Ratio of 1.36%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Cambridge Trust Company U.S. Bank Average
13.07% 8.58

Cambridge Trust Company has a Return on Equity of 13.07% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Cambridge Trust Company U.S. Bank Average
7.31% 12.11

Cambridge Trust Company has a Capitalization of 7.31% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Cambridge Trust Company Balance Sheet Analysis

As of June 30, 2017, Cambridge Trust Company had assets of $1,895,219,000, loans of $1,313,594,000, and deposits of $1,619,716,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Cambridge Trust Company

Branches and Savings

Is Cambridge Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #8152.

Why does Cambridge Trust Company pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cambridge Trust Company CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cambridge Trust Company a commercial bank?

Yes

Where are Cambridge Trust Company locations?

See branch locations nearby.

Is Cambridge Trust Company open on Saturdays?

Is Cambridge Trust Company open on Sundays?

What time does Cambridge Trust Company open?

What time does Cambridge Trust Company close?

Are Cambridge Trust Company ATMs Open 24/7?

Do Cambridge Trust Company ATMs accept cash deposits?

Can Cambridge Trust Company customers use other ATMs?

Do Cambridge Trust Company branches have notaries?

Will Cambridge Trust Company notarize my document?

What address for Cambridge Trust Company should I put for incoming ACH transfers?

Will the Cambridge Trust Company branch print checks?

Do Cambridge Trust Company checks expire?

Does Cambridge Trust Company require US citizenship to open account?

Can Cambridge Trust Company close my account?

Does Cambridge Trust Company Report to credit bureaus?

Does Cambridge Trust Company Use Equifax?

What is Cambridge Trust Company's ACH Routing Number?

What is Cambridge Trust Company's SWIFT code?

Products

Does Cambridge Trust Company offer mortgages?

Compare mortgage rates here.

Does Cambridge Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cambridge Trust Company offer personal loans?

Compare personal loan rates here.

Does Cambridge Trust Company offer student loans?

Will Cambridge Trust Company cash a check?

Will Cambridge Trust Company redeem a savings bond?

Does Cambridge Trust Company cash savings bonds?

Will Cambridge Trust Company cash money orders?

Can Cambridge Trust Company issue a money order?

Does Cambridge Trust Company do currency exchange?

Background on The Bank

Who owns Cambridge Trust Company?

How long has Cambridge Trust Company been around?

Can Cambridge Trust Company transfer to other banks?

Does Cambridge Trust Company have quick pay?

Does Cambridge Trust Company accept rolled coins?

Will Cambridge Trust Company accept loose change?

Where is Cambridge Trust Company headquarters?

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