🏦Bank Scorer

EAST CAMBRIDGE SAVINGS BANK

CAMBRIDGE, MA · Supervised by FDIC

Est. 1854FDIC #90,173RSSD: FDIC-90173
Part of1854 BCORP→ View all charters
Satisfactory Same

Current rating · Exam: December 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.32%

Institution Profile

FDIC BankFind

Address

292 Cambridge St, CAMBRIDGE, MA

County

Middlesex County

Established

April 2, 1854

Total Assets

$1.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2010

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 15 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.7B

Total Deposits

$1.3B

Net Loans

$1.3B

Net Income

$1M

ROA

0.32%

ROE

3.48%

Risk-Based Capital

15.13%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate2.76%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$1.3B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202414582.76%2.76%
202319581.03%5.13%
202247386.89%3.81%
202149482.19%6.68%
202052877.27%9.09%
201934879.02%4.02%
201828979.24%4.15%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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