Bank · FDIC insured
Cambridge Savings Bank
A $7B bank, the 217th largest of 4,207, headquartered in Cambridge, MA, with 24 branches in 2 states. Best rates: CDs 4.10% and savings 0.15% APY.
Cambridge Savings Bank Carrot Score
77
Carrot Score
Higher than 43% of U.S. banks and credit unions
#70 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Cambridge Savings Bank
Cambridge Savings Bank is headquartered in Cambridge, Massachusetts.
First Seacoast Bank is now Cambridge Savings Bank.
- Headquarters
- 1374 Massachusetts Ave, Cambridge, MA 02138
- FDIC certificate
- 17870 ↗
Branches
24 branches in 2 states
Loading map…
Massachusetts
19 branches
- Cambridge Savings BankMain office1374 Massachusetts Ave, Cambridge, MA 02138Directions
- Arlington Center Branch626 Massachusetts Ave, Arlington, MA 02476Directions
- Arlington Heights Branch1300 Massachusetts Ave, Arlington, MA 02476Directions
- East Arlington Branch188 Massachusetts Ave, Arlington, MA 02474Directions
- Bedford Branch181 Great Rd, Bedford, MA 01730Directions
- Belmont Branch40 Leonard St, Belmont, MA 02478Directions
- Middlesex Turnpike Branch140 Middlesex Tpke, Burlington, MA 01803Directions
- Simonds Park Branch154 Cambridge St, Burlington, MA 01803Directions
- Cambridge Street Branch1378 Cambridge St, Cambridge, MA 02139Directions
- Central Square Branch630 Massachusetts Ave, Cambridge, MA 02139Directions
- Porter Square Shopping Center Branch53 White St, Cambridge, MA 02140Directions
- Thompson Square1 Thompson Sq, Charlestown, MA 02129Directions
- Concord Branch202 Sudbury Rd, Concord, MA 01742Directions
- Dorchester Branch734 Dudley St, Dorchester, MA 02125Directions
- Lexington Branch1781 Massachusetts Ave, Lexington, MA 02420Directions
- Fmelrose Bank Branch638 Main Street, Melrose, MA 02176Directions
- Newton Centre Branch739 Beacon St, Newton Center, MA 02459Directions
- Assembly Row Branch475 Foley St, Somerville, MA 02145Directions
- Watertown Branch54 Arsenal St, Watertown, MA 02472Directions
New Hampshire
5 branches
- First Seacoast BankMain office633 Central Ave, Dover, NH 03820Directions
- Rt 125 Barrington Branch6 Eastern Ave, Barrington, NH 03825Directions
- Durham Shopping Plaza Branch7 Mill Rd, Durham, NH 03824Directions
- 1 Market Square Branch1650 Woodbury Ave, Portsmouth, NH 03801Directions
- 17 Wakefield Street Branch17 Wakefield St, Rochester, NH 03867Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.25% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.26% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.36% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $109 | $88 | — |
- CapitalLeverage ratio10.25%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.26%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.36%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$109Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Cambridge Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.