Bank · FDIC insured
East Cambridge Savings Bank
A $1.7B bank headquartered in Cambridge, MA, with 11 branches in Massachusetts. Best rates: CDs 0.40% and savings 0.10% APY.
East Cambridge Savings Bank Carrot Score
72
Carrot Score
Higher than 31% of U.S. banks and credit unions
#88 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About East Cambridge Savings Bank
East Cambridge Savings Bank is based in Cambridge, Massachusetts, and has served customers since 1854.
The institution operates as an independent mutual bank dedicated to supporting its local communities.
- Headquarters
- 292 Cambridge St, Cambridge, MA 02141
- FDIC certificate
- 90173 ↗
Branches
11 branches in Massachusetts
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Massachusetts
11 branches
- East Cambridge Savings BankMain office292 Cambridge St, Cambridge, MA 02141Directions
- Arlington Branch105 Broadway, Arlington, MA 02474Directions
- Trapelo Road Banking Center395 Trapelo Rd, Belmont, MA 02478Directions
- Cambridge Branch1310 Cambridge St, Cambridge, MA 02139Directions
- Chelsa Bank Branch360 Broadway, Chelsea, MA 02150Directions
- Malden Banking Center98 Pleasant St, Malden, MA 02148Directions
- Salem Street Office Branch243 Salem St, Medford, MA 02155Directions
- West Medford Branch9 Playstead Rd, Medford, MA 02155Directions
- Highland Branch285 Highland Ave, Somerville, MA 02143Directions
- Wal-Lex Shopping Center Branch860 Lexington St, Waltham, MA 02452Directions
- Patriot Branch237 Lexington St, Woburn, MA 01801Directions
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 | 9.69% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.20% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.38% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $100 | $88 | — |
- CapitalLeverage ratio9.69%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.20%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.38%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$100Peers’ 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 East 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.