Investor Presentaiton

Strategic Progress and Focus Recent Progress Announced merger with Northmark Bank adding attractive clients and markets Generated record operating earnings in 2021 Grew core deposits by $1 billion or 32% in 2021 Committed $110 million to support affordable housing in Massachusetts by partnering with the Massachusetts Housing Partnership in 2021 Supported clients & communities during the pandemic which included $293M in PPP Lending Named the 18th Largest Independent Investment Advisers in Massachusetts (according to Boston Business Journal) Named as one of the region's top corporate charitable contributors (according to Boston Business Journal) Increased resources to support expansion of business development initiatives CAMBRIDGE BANCORP " Strategic Focus Leverage private banking model in highly attractive markets Increase brand awareness Expand Wealth Management assets under management Grow and diversify Commercial Banking opportunities & relationships Expand client base & deepen existing relationships to grow deposit base 23

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