Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

Get started

Q2 2026 · 4,313 institutions · refreshed 8/27/2026

All banksProfile view

OptimaYield board tearsheet · reported facts

EAST CAMBRIDGE SAVINGS BANK

FDIC #90173 · MA · period 20260630

Download full PDF Download full Excel Download compact PDF Download compact Excel Return to profile

Total assets1,007,062-5.05% YoY

Total deposits862,039-2.24% YoY

Net loans and leases759,124-7.72% YoY

Return on assets0.43%-3.11% YoY

Return on equity4.38%-3.74% YoY

Net interest margin3.10%-1.37% YoY

Peer position

Return on assets6thopportunity · n=902

Return on equity6thopportunity · n=894

Net interest margin7thopportunity · n=902

Equity to assets29thopportunity · n=894

Noncurrent loans78thstrength · n=887

Liquid assets22ndopportunity · n=895

Brokered deposits100thstrength · n=890

Loans to deposits17thopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-09-30	1,007,062	862,039	759,124	0.43	4.38	3.10
2016-12-31	1,010,253	867,513	769,477	0.41	4.27	3.09
2017-03-31	1,018,382	876,749	795,541	0.36	3.73	3.16
2017-06-30	1,050,344	881,805	828,266	0.39	4.11	3.16
2017-09-30	1,060,597	881,788	822,665	0.44	4.55	3.14
2017-12-31	1,036,662	863,798	820,175	0.21	2.19	3.16
2018-03-31	1,061,101	889,834	841,004	0.64	6.65	3.19
2018-06-30	1,058,650	895,639	838,390	0.61	6.32	3.19
2018-09-30	1,042,746	879,776	816,212	0.67	6.79	3.19
2018-12-31	1,077,667	893,683	857,423	0.63	6.43	3.16
2019-03-31	1,117,001	911,302	896,228	0.62	6.14	3.03
2019-06-30	1,126,833	911,487	898,851	0.51	5.11	3.00
2019-09-30	1,136,811	942,991	870,668	0.56	5.57	2.97
2019-12-31	1,106,794	935,071	887,062	0.55	5.48	2.95
2020-03-31	1,150,627	966,416	900,167	0.34	3.32	2.94
2020-06-30	1,172,830	1,007,166	925,773	0.42	4.14	2.97
2020-09-30	1,199,451	1,031,137	909,836	0.50	5.01	2.97
2020-12-31	1,207,455	1,043,533	941,026	0.54	5.33	3.02
2021-03-31	1,228,490	1,074,663	944,053	0.71	6.91	3.09
2021-06-30	1,248,157	1,092,265	969,633	0.67	6.50	3.07
2021-09-30	1,285,805	1,132,378	1,025,174	0.68	6.70	3.09
2021-12-31	1,317,811	1,152,798	1,078,922	0.65	6.41	3.12
2022-03-31	1,335,552	1,174,441	1,116,526	0.73	7.41	3.23
2022-06-30	1,427,526	1,277,771	1,152,830	0.80	8.35	3.27
2022-09-30	1,595,068	1,410,944	1,347,447	0.77	8.54	3.32
2022-12-31	1,609,978	1,363,941	1,368,743	0.81	9.20	3.37
2023-03-31	1,619,018	1,459,508	1,354,497	0.49	6.06	2.89
2023-06-30	1,604,208	1,395,061	1,346,456	0.49	5.96	2.74
2023-09-30	1,603,173	1,370,044	1,338,498	0.42	5.12	2.63
2023-12-31	1,608,517	1,310,601	1,333,731	0.58	7.05	2.56
2024-03-31	1,595,189	1,290,418	1,317,554	0.22	2.54	2.19
2024-06-30	1,601,561	1,265,819	1,335,121	0.18	2.05	2.13
2024-09-30	1,616,551	1,277,311	1,329,363	0.14	1.63	2.11
2024-12-31	1,642,782	1,304,993	1,304,600	0.16	1.78	2.11
2025-03-31	1,622,577	1,296,260	1,296,115	0.31	3.53	2.29
2025-06-30	1,608,442	1,279,229	1,282,012	0.30	3.32	2.34
2025-09-30	1,624,922	1,293,039	1,290,208	0.32	3.55	2.39
2025-12-31	1,640,097	1,317,280	1,292,979	0.35	3.81	2.40
2026-03-31	1,668,521	1,338,961	1,272,202	0.32	3.48	2.50
2026-06-30	1,664,735	1,339,596	1,334,280	0.38	4.02	2.61

Structure and branch footprint

12 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2022-08-01	1	3437166	738303
2015-03-01	1	170976	738303

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.