Call reports 2025
CAMBRIDGE SAVINGS BANK — 2025
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 6,843,697,000 | 6,917,422,000 | 6,950,279,000 | 6,937,271,000 |
| Total loans | 5,697,739,000 | 5,767,794,000 | 5,784,808,000 | 5,712,234,000 |
| Allowance for loan losses | 64,164,000 | 50,545,000 | 50,761,000 | 49,701,000 |
| Securities available for sale | 585,012,000 | 583,057,000 | 580,598,000 | 593,438,000 |
| Securities held to maturity | 118,603,000 | 118,277,000 | 115,731,000 | 130,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,486,108,000 | 5,410,378,000 | 5,454,508,000 | 5,570,103,000 |
| Interest-bearing deposits | 4,526,786,000 | 4,453,676,000 | 4,561,265,000 | 4,650,161,000 |
| Noninterest-bearing deposits | 959,322,000 | 956,702,000 | 893,243,000 | 919,942,000 |
| Equity capital | 635,803,000 | 645,812,000 | 689,899,000 | 703,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 84,925,000 | 169,355,000 | 256,271,000 | 342,993,000 |
| Interest expense | 40,907,000 | 81,452,000 | 122,551,000 | 162,567,000 |
| Net interest income | 44,018,000 | 87,903,000 | 133,720,000 | 180,426,000 |
| Noninterest income | 2,827,000 | 8,507,000 | 56,102,000 | 59,647,000 |
| Noninterest expense | 35,040,000 | 71,171,000 | 109,044,000 | 146,790,000 |
| Provision for loan losses | 3,687,000 | 5,331,000 | 5,572,000 | 5,565,000 |
| Pretax income | 7,641,000 | 19,922,000 | 75,569,000 | 89,033,000 |
| Income tax | 1,349,000 | 3,867,000 | 19,326,000 | 22,082,000 |
| Net income | 6,292,000 | 16,055,000 | 56,243,000 | 66,951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 639,626,000 | 649,415,000 | 689,623,000 | 700,347,000 |
| Total capital | 706,398,000 | 702,319,000 | 742,502,000 | 752,172,000 |
| Risk-weighted assets | 5,467,399,000 | 5,532,542,000 | 5,498,447,000 | 5,475,245,000 |