East Cambridge Savings Bank

BankCambridge, Massachusetts
www.ecsb.com

Total Assets

$1.6B

Total Deposits

$1.3B

Branches

12

Established

1854

TFS Health Grade

$
D+

67.8 / 100

Below average financial health

How we grade

East Cambridge Savings Bank is a bank headquartered in Cambridge, Massachusetts, established in 1854. With $1.6B in total assets and 12 branch locations, it has a TFS Financial Health Grade of D+ (67.8/100).

Capital & Safety

Tier 1 Capital Ratio
9.53%(8%)
Total Capital Ratio
14.86%(10%)
Non-Performing Loan Ratio
0.13%

Profitability

Return on Assets (ROA)
0.35%(1%)
Return on Equity (ROE)
3.81%(10%)
Net Interest Margin
2.40%
Efficiency Ratio
82.66%(60%)

Lending & Liquidity

Total Loans
$1.3B
Loan-to-Deposit Ratio
98.16%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
-0.16%
Deposit Growth (YoY)
+0.94%
Net Income
$5.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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