Cambridge Trust Company


1336 Massachusetts Avenue
Cambridge, MA 02138
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.60% →
1-Year CD 0.30% 1.55% →
2-Year CD 0.30% 1.45% →
5-Year CD 0.75% 1.66% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Cambridge Trust Company is an FDIC insured institution located in Cambridge, MA. It was founded in 1890 and has approximately $2.86 billion in assets. Customers can open an account at one of its 16 branches.

FDIC Insured Yes
FDIC Certificate # 8152
Date Established 1890
Assets $ 2.86 billion
Loans $ 2.21 billion
Deposits $ 2.36 billion
Capital $ 284.87 million

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.

Deposit Rates - June 4, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.05% $2,500 $9,999 Learn More
Money Market
0.03% $2,500 - Learn More
3 Mo CD
0.10% $1,000 - Learn More
6 Mo CD
0.20% $1,000 - Learn More
12 Mo CD
0.30% $1,000 - Learn More
24 Mo CD
0.30% $1,000 - Learn More
36 Mo CD
0.45% $1,000 - Learn More
60 Mo CD
0.75% $1,000 - Learn More

Fixed IRA
0.30% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.01% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
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 - June 4, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Cambridge Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.019% 3.000% 0.25 $625 $1,055 Learn More

Note to Cambridge Trust Company
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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 are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
Cambridge Trust Company U.S. Bank Average
1.92% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Cambridge Trust Company had $5,650,000 in non-current loans and $163,000 in owned real estate. To cover these potential losses it had $284,868,000 in equity and $18,180,000 in loans loss reserves. That gives it a Texas Ratio of 1.92%.

Return on Equity
Cambridge Trust Company U.S. Bank Average
11.69% 9.41%

Cambridge Trust Company has a Return on Equity of 11.69% versus the BestCashCow average of 9.41%. 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.

Cambridge Trust Company U.S. Bank Average
9.98% 12.82%

Cambridge Trust Company has a Capitalization of 9.98% versus the BestCashCow average of 12.82. 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 December 31, 2019, Cambridge Trust Company had assets of $2,855,550,000, loans of $2,210,094,000, and deposits of $2,360,558,000. 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.

Summary Balance Sheet

December 31, 2019
Cash & Balances due from depository institutions $ 61.33 million
Interest-bearing balances $ 41.35 million
Total securities $ 398.50 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.21 billion
Loan loss allowance $ 18.18 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.16 million
Goodwill and other intangibles $ 35.87 million
All other assets $ 104.13 million
     Total Assets $ 2.57 billion
Total deposits $ 2.36 billion
      Interest-bearing deposits $ 1,728.29 million
      Deposits held in domestic offices $ 2.36 billion
      % insured (estimated) 57.92%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 170.75 million
Subordinated debt N.A.
All other liabilities $ 39.38 million
      Total Liabilities $ 2.57 billion
      Shareholders’ Equity $ 284.87 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 97.08 million
Total Interest Expense $ 17.64 million
Net interest income $ 79.44 million
Provision for loan and lease losses $ 3.00 million
Total non interest income $ 35.74 million
Total non interest expense $ 78.05 million
Pre-tax Net Operating Income $ 34.13 million

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, Cambridge Trust Company’s loan portfolio does not show any specific loan specialty.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 45.66
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 4.79
Construction and Development Loans 4.51
Commercial Real Estate 30.07
Commercial and Industrial Loans 5.68
Farm Loans 0.00

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?


Where are Cambridge Trust Company locations?

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Do Cambridge Trust Company checks expire?

Does Cambridge Trust Company require US citizenship to open account?

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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?

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Background on The Bank

Who owns Cambridge Trust Company?

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