BlastPoint's Banking Scorecard
Cambridge Savings Bank
Mid-Market
Specialty: Commercial
MA
FDIC cert 17870
Cambridge, MA
201
banks in Mid-Market tier nationally
9 in MA
View Mid-Market leaderboard (MA) →
Cambridge Savings Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 33% in Mid-Market
- - Flatlined Growth: Bottom 44% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.9B
+0.9% YoY
-0.2% QoQ
|
-$3.5B |
$10.5B
+2.9% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$5.7B
-0.4% YoY
-1.2% QoQ
|
-$1.5B |
$7.1B
+4.5% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$5.6B
+2.4% YoY
+2.1% QoQ
|
-$3.0B |
$8.5B
+3.0% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
0.97%
+176.6% YoY
-10.8% QoQ
|
-0.19% |
1.16%
+9.4% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
2.78%
+16.1% YoY
+1.0% QoQ
|
-0.62% |
3.40%
+7.9% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
61.11%
-23.9% YoY
+6.4% QoQ
|
+4.50% |
56.60%
-3.2% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.78%
+2.8% YoY
+62.2% QoQ
|
+0.09% |
0.68%
+12.0% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
101.66%
-2.7% YoY
-3.3% QoQ
|
+16.19% |
85.47%
+1.1% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.52%
-3.6% YoY
+0.9% QoQ
|
-4.12% |
20.64%
-0.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.64%
+1.5% YoY
+60.4% QoQ
|
+0.14% |
0.50%
+7.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
12.79%
+12.7% YoY
+2.0% QoQ
|
-0.76% |
13.55%
+1.8% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.86%
+253.1% YoY
+6.5% QoQ
|
-0.10% |
0.96%
+7.1% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#27 of 80 · Bottom 33% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
101.66%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#20 of 44 · Bottom 44% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.97%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
70
70th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.96%
46
46th pctile
Total Loans
Current: $5.7B · Tier avg: $7.1B
45
45th pctile
Tier 1 Capital Ratio
Current: 12.79% · Tier avg: 13.55%
35
35th pctile
Delinquency Rate
Current: 0.78% · Tier avg: 0.68%
35
35th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
32
32th pctile
Total Deposits
Current: $5.6B · Tier avg: $8.5B
32
32th pctile
Total Assets
Current: $6.9B · Tier avg: $10.5B
31
31th pctile
Efficiency Ratio
Current: 61.11% · Tier avg: 56.60%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.50%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.52% · Tier avg: 20.64%
22
22th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.40%
9
9th pctile
Loan-to-Deposit Ratio
Current: 101.66% · Tier avg: 85.47%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 101.66% · Tier avg: 85.47%
22
22th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.40%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.52% · Tier avg: 20.64%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.50%
31
31th pctile
Efficiency Ratio
Current: 61.11% · Tier avg: 56.60%
32
32th pctile
Total Assets
Current: $6.9B · Tier avg: $10.5B
32
32th pctile
Total Deposits
Current: $5.6B · Tier avg: $8.5B
35
35th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
35
35th pctile
Delinquency Rate
Current: 0.78% · Tier avg: 0.68%
45
45th pctile
Tier 1 Capital Ratio
Current: 12.79% · Tier avg: 13.55%
46
46th pctile
Total Loans
Current: $5.7B · Tier avg: $7.1B
70
70th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.96%