Investor Presentaiton

Q1 2021 Performance Highlights Operating EPS $1.92 Operating ROAA 1.35% Operating ROTCE 15.65% $18.0M 3.16% Operating PTPP Income Adjusted Net Interest Margin 57.32% Ratio Operating Efficiency 8.75% TCE Ratio ex. PPP 1.18% ACL Ratio* $50.70 Tangible Book Value per Share 0.22% NPAs to Total Assets 0.00% Net Charge-offs / Total Loans (Annualized) CAMBRIDGE BANCORP *ACL Ratio does not include PPP loans. 8

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