Cambridge Trust Company

1336 Massachusetts Avenue
Cambridge, MA 2138
617-876-5500
www.cambridgetrust.com

OverView
Rates
Health
Reviews

Cambridge Trust Company is headquartered in Cambridge and is the 20^th largest bank in the state of Massachusetts. It is also the 517^st largest bank in the nation. It was established in 1890 and as of December of 2011, it had grown to 203 employees at 13 locations. Cambridge Trust Company has a 5-star health rating.

Cambridge Trust Company Routing Number: 011300595

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

Cambridge Trust Company Checking Account Rates

Apy	Min	Max	Product
0.05%	-	-	Premium Plus Checking
0.05%	-	-	Premium Checking
0.01%	$5k	-	Cambridge Trust Cash Management Account
0.01%	$5k	-	Non-Profit Cash Management Account
0.01%	$1,500	-	Interest Checking

Cambridge Trust Company Savings Account Rates

Apy	Min	Max	Product
0.30%	$50k	-	Premium Savings
0.30%	$50k	-	Business Premium Savings
0.05%	-	-	Statement Savings Account
0.05%	-	-	Business Savings Account

Cambridge Trust Company Money Market Rates

Apy	Min	Max	Product
0.25%	$2,500	-	Personal Money Market Investment Account
0.25%	$5k	-	Business/Non-Profit Money Market Investment Account

Cambridge Trust Company CD Rates

Apy	Min	Max	Product
1.50%	$1k	-	CD Fixed Rate 5 Year
1.05%	$1k	-	CD Fixed Rate 3 Year
0.90%	$1k	-	CD Variable Rate 31-Month or Longer
0.75%	$1k	-	CD Fixed Rate 2 Year
0.45%	$1k	-	CD Fixed Rate 1 Year
0.40%	$10k	-	Special 5-Month CD
0.30%	$1k	-	CD Fixed Rate 6 Month
0.25%	$1k	-	CD Fixed Rate 3 Month
0.15%	$2,500	-	CD Fixed Rate 1 Month

Cambridge Trust Company IRA Rates

Apy	Min	Max	Product
1.50%	$1k	-	IRA Fixed Rate 5 Year
1.50%	$1k	-	Roth IRA Fixed Rate 5 Year
1.50%	$1k	-	SEP IRA Fixed Rate 5 Year
1.05%	$1k	-	IRA Fixed Rate 3 Year
1.05%	$1k	-	Roth IRA Fixed Rate 3 Year
1.05%	$1k	-	SEP IRA Fixed Rate 3 Year
0.90%	$1k	-	IRA Variable Rate 31-Month or Longer
0.90%	$1k	-	Roth IRA Variable Rate 31-Month or Longer
0.90%	$1k	-	SEP IRA Variable Rate 31-Month or Longer
0.75%	$1k	-	IRA Fixed Rate 2 Year
0.75%	$1k	-	Roth Fixed Rate 2 Year
0.75%	$1k	-	SEP IRA Fixed Rate 2 Year
0.60%	$1k	-	IRA Variable Rate 18 Month
0.60%	$1k	-	Roth IRA Variable Rate 18 Month
0.60%	$1k	-	SEP IRA Variable Rate 18 Month
0.45%	$1k	-	IRA Fixed Rate 1 Year
0.45%	$1k	-	Roth IRA Fixed Rate 1 Year
0.45%	$1k	-	SEP IRA Fixed Rate 1 Year
0.40%	$10k	-	Special 5-Month IRA
0.40%	$10k	-	Special 5-Month Roth IRA
0.40%	$10k	-	Special 5-Month SEP IRA
0.30%	$1k	-	IRA Fixed Rate 6 Month
0.30%	$1k	-	Roth IRA Fixed Rate 6 Month
0.30%	$1k	-	SEP IRA Fixed Rate 6 Month
0.25%	$1k	-	IRA Fixed Rate 3 Month
0.25%	$1k	-	Roth IRA Fixed Rate 3 Month
0.25%	$1k	-	SEP IRA Fixed Rate 3 Month
0.15%	$2,500	-	IRA Fixed Rate 1 Month
0.15%	$2,500	-	Roth IRA Fixed Rate 1 Month
0.15%	$2,500	-	SEP IRA Fixed Rate 1 Month

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

Cambridge Trust Company
FDIC Certificate #	8152
BankRate Report	View
Year Established	1890
Employees	203
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.28 billion
Loans	$663.11 million
Deposits	$1.13 billion
Equity Capital	$92.42 million
Loan Loss Allowance	$10.16 million
Unbacked Noncurrent Loans	$1.20 million
Historic Data - December 2010
Assets	$1.13 billion
Equity Capital	$86.22 million
Loan Loss Allowance	$8.89 million
Unbacked Noncurrent Loans	$1.15 million
Profit Margin - Quarterly
Net Interest Margin	3.89%
Return on Assets	1.06%
Return on Equity	13.86%
Interest Income	$47.66 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Cambridge Trust Company had $1.2 million in non-current loans and owned real-estate with $102.58 million in equity and loan loss allowances on hand to cover it. This gives Cambridge Trust Company a Texas Ratio of 1.17% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Cambridge Trust Company held steady from 1.21% as of December 31, 2010 to 1.17% as of December 31, 2011, resulting in a positive change of 2.75%.This indicates that the balance sheet and financial strength for Cambridge Trust Company has held steady in recent periods.
Deposit Growth
In the past year, Cambridge Trust Company has increased its total deposits by $133.07 million, resulting in 13.35% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cambridge Trust Company has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cambridge Trust Company has $1.28 billion in assets with $102.58 million in equity, resulting in a capitalization level of 8.04%, which is average.

No reviews have been left for this bank yet. Be the first to review.