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Investor Presentaiton

| | Consumer Loan Portfolio As of June 30, 2022 51% Balance 6% 20% ■ Residential - Fixed ■Residential - Adjustable ■ Home Equity Usage 43% 80% 100.0 0.0 1% 3% 14% Weighted Avg. LTV* 58% Geography ■ Owner Occupied ■Non-Owner Occupied ■MA NH ME Other $1.6B outstanding as of June 30, 2022 CAMBRIDGE BANCORP Weighted Average FICO 783** 82% 16 *The Weighted Average LTV calculation only includes one collateral property value for loans with multiple collateral and excludes loans with a zero balance. **Most Recent Weighted Average FICO Score, excluding loans with a zero balance.

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