Investor Presentaiton

| Commercial Banking As of June 30, 2022 Business Deposits represented 48% of core deposits with a weighted average cost of deposits. of 0.08% Focused on continued diversification of the commercial portfolio into Commercial & Commercial Loans ($M) $1,194 $1,583 Industrial Dedicated and centralized credit risk management function. CAMBRIDGE BANCORP *Commercial & Industrial excludes PPP loans. $852 2018 2019 2020 ■Commercial Mortgage $1,902 $1,758 2021 I I Commercial & Industrial* 2022 13

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