Overview / Commentary
1336 Massachusetts Avenue
Cambridge, MA 02138

Cambridge Trust Company is headquartered in Cambridge and is the 24th largest bank in the state of Massachusetts. It is also the 413th largest bank in the nation. It was established in 1890 and as of December of 2018, it had grown to 252 employees at 14 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 - YTD1.2%
Return on Equity - YTD15.74%
Annual Interest Income$69.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$2.10B$1.95B
LoansQ4 2018vs Q4 2017$1.54B$1.34B
DepositsQ4 2018vs Q4 2017$1.82B$1.78B
Equity CapitalQ4 2018vs Q4 2017$162.6MM$144.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$16.8MM$15.3MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$636.00K$1.3MM
Real Estate OwnedQ4 2018vs Q4 2017$0$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

0.20%*$10k*-Premium Savings
OTHER TIERS: 0.05% $2.5k - $10k
0.20%*$10k*-Business Premium Savings
OTHER TIERS: 0.05% $5k - $10k
0.02%--Statement Savings Account
0.02%--Business Savings Account

Cambridge Trust Company Money Market Rates

0.15%$2.5k-Personal Money Market Investment Account
0.15%$5k-Business/Non-Profit Money Market Investment Account

Cambridge Trust Company Checking Account Rates

0.02%--Premium Plus Relationship Checking
0.02%--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

1.10%$1k-CD Fixed Rate 60 Month
0.65%$1k-CD Fixed Rate 36 Month
0.50%$1k-CD Fixed Rate 24 Month
0.50%$1k-CD Variable Rate 31-Month or Longer
0.30%$1k-CD Fixed Rate 12 Month
0.20%$10k-Special 5-Month CD
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

1.10%$1k-IRA Fixed Rate 60 Month
0.65%$1k-IRA Fixed Rate 36 Month
0.50%$1k-IRA Fixed Rate 24 Month
0.50%$1k-IRA Variable Rate 31-Month or Longer
0.30%$1k-IRA Fixed Rate 12 Month
0.25%$500-IRA Variable Rate 18 Month
0.20%$10k-Special 5-Month IRA
0.20%$1k-IRA Fixed Rate 6 Month
0.10%$1k-IRA Fixed Rate 3 Month
0.05%$1k-IRA Fixed Rate 1 Month

Cities: Belmont, Boston, Cambridge, Concord, Lexington, Weston

Belmont Branches
Belmont Branch361 Trapelo RoadBelmont, MA 02478

Boston Branches
Tremont Street Boston Branch565 Tremont StreetBoston, MA 02118
Beacon Street65 Beacon StreetBoston, MA 02108

Cambridge Branches
Cambridge Trust Company1336 Massachusetts AvenueCambridge, MA 02138
Massachusetts Avenue Branch1720 Massachusetts AvenueCambridge, MA 02138
Kendall Square Branch326 Main StreetCambridge, MA 02142
Huron Branch353 Huron AvenueCambridge, MA 02138

Concord Branches
Main Street Branch75 Main StreetConcord, MA 01742

Lexington Branches
Lexington Branch1690 Massachusetts AvenueLexington, MA 02420

Weston Branches
Weston Branch494 Boston Post RoadWeston, MA 02493

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