Cambridge Trust Company

Overview / Commentary
1336 Massachusetts Avenue
Cambridge, MA 02138

Cambridge Trust Company is headquartered in Cambridge and is the 17th largest bank in the state of Massachusetts. It is also the 329th largest bank in the nation. It was established in 1890 and as of March of 2020, it had grown to 313 employees at 17 locations. Cambridge Trust Company has an A health rating.


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Health Grade Components

FDIC Certificate #8152
Year Established1890
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD10.05%
Annual Interest Income$26.1MM
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$2.85B$2.14B
LoansQ1 2020vs Q1 2019$2.24B$1.54B
DepositsQ1 2020vs Q1 2019$2.40B$1.91B
Equity CapitalQ1 2020vs Q1 2019$292.1MM$164.9MM
Loan Loss AllowanceQ1 2020vs Q1 2019$20.2MM$16.7MM
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$3.4MM$626.00K
Real Estate OwnedQ1 2020vs Q1 2019$2.5MM$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cambridge Trust Company Savings Account Rates

0.12%*$10k*-Premium Savings
OTHER TIERS: 0.05% $2.5k - $10k
0.10%*$10k*-Business Premium Savings
OTHER TIERS: 0.03% $5k - $10k
0.01%--Statement Savings Account
0.01%--Business Savings Account

Cambridge Trust Company Money Market Rates

0.03%$2.5k-Personal Money Market Investment Account
0.03%$5k-Business/Non-Profit Money Market Investment Account

Cambridge Trust Company Checking Account Rates

0.01%--Premium Plus Relationship Checking
0.01%--Premium Relationship Checking
0.01%$5k-Cambridge Trust Cash Management Account
0.01%$5k-Non-Profit Cash Management Account
0.01%$1.5k-Interest Checking

Cambridge Trust Company CD Rates

0.75%$1k-CD Fixed Rate 60 Month
0.45%$1k-CD Fixed Rate 36 Month
0.30%$1k-CD Fixed Rate 12 Month
0.30%$1k-CD Fixed Rate 24 Month
0.30%$1k-CD Variable Rate 31-Month or Longer
0.20%$1k-CD Fixed Rate 6 Month
0.10%$1k-CD Fixed Rate 3 Month
0.05%$1k-CD Fixed Rate 1 Month

Cambridge Trust Company IRA Rates

0.75%$1k-IRA Fixed Rate 60 Month
0.45%$1k-IRA Fixed Rate 36 Month
0.30%$1k-IRA Fixed Rate 12 Month
0.30%$1k-IRA Fixed Rate 24 Month
0.30%$1k-IRA Variable Rate 31-Month or Longer
0.20%$1k-IRA Fixed Rate 6 Month
0.15%$500-IRA Variable Rate 18 Month
0.10%$1k-IRA Fixed Rate 3 Month
0.05%$1k-IRA Fixed Rate 1 Month


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