Investor Presentaiton

Q2 2022 Performance Highlights Operating EPS $1.90 Operating ROAA 1.07% Operating ROTCE 14.08% $13.4M Operating Net Income 2.81% Adjusted Net Interest Margin¹ 0.97% ACL Ratio² CAMBRIDGE BANCORP $55.33 Tangible Book Value per Share 58.97% 7.75% Operating Efficiency TCE Ratio Ratio 0.12% NPAs to Total Assets 0.00% Net Recoveries / Total Loans (Annualized) 8 1: Adjusted net interest margin excludes the impact of PPP loans and merger related loan accretion. 2: ACL Ratio does not include PPP loans.

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