East Cambridge Savings Bank
Cambridge, Massachusetts · FDIC Cert #90173
East Cambridge Savings Bank is an FDIC-insured bank (Certificate #90173) with $1.6B in total assets and $1.3B in total deposits as of the Q2 2024 Call Report. Headquartered in Cambridge, Massachusetts, the bank maintains a Tier 1 capital ratio of 13.45% (Well-Capitalized) and a nonperforming loan ratio of 0.15%. BankHealthData assigns a composite Health Grade of B (69/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
East Cambridge Savings Bank (FDIC cert 90173) is a mid-sized bank with $1.6B in total assets and $1.3B in deposits, based in Cambridge, Massachusetts. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 13.45% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.15% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 11.2% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.21% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. East Cambridge Savings Bank carries a composite BankHealth grade of B (69/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: East Cambridge Savings Bank
- Total Assets
- $1.6B
- Total Deposits
- $1.3B
- Tier 1 Capital Ratio
- 13.45%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.15%
- Liquidity Ratio
- 11.16%
- Return on Assets
- 0.21%
- Headquarters
- Cambridge, Massachusetts
- FDIC Certificate
- #90173
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, East Cambridge Savings Bank holds a Tier 1 capital ratio of 13.45%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning East Cambridge Savings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
East Cambridge Savings Bank shows strong financial health indicators. With $1.6B in assets and a Health Score of 69/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How East Cambridge Savings Bank Compares
East Cambridge Savings Bank’s Health Score of 69 is 1 points above the Massachusetts state average of 68 across 97 FDIC-insured banks. Its 13.45% Tier 1 capital ratio is 0.5 points below the US banking industry average near 14%. The 0.15% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.21% is below the national ROA benchmark of ~1.1%. Among 750 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, East Cambridge Savings Bank is 1 points below the portfolio average of 70.
Frequently Asked Questions
East Cambridge Savings Bank has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.45%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. East Cambridge Savings Bank's Tier 1 capital ratio of 13.45% and nonperforming loan ratio of 0.15% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at East Cambridge Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #90173). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
East Cambridge Savings Bank holds $1.6B in total assets and $1.3B in total deposits. It is headquartered in Cambridge, Massachusetts (FDIC Certificate #90173).
East Cambridge Savings Bank has a Tier 1 capital ratio of 13.45%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.15%, and the return on assets is 0.21%.
Yes. East Cambridge Savings Bank is FDIC-insured (Certificate #90173). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
East Cambridge Savings Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.