Investor Presentaiton

| Total Assets and Loans As of June 30, 2022 Total Assets ($M) $5,058 $4,892 $3,949 $2,856 $2,101 2018 2019 2020 2021 2022 Total Loans ($M) $3,523 5.5-Year Loans CAGR $3,319 (through 2022) $3,154 +20% $2,227 $1,560 2018 2019 2020 2021 2022 CAMBRIDGE BANCORP Consumer 1% Construction 3% Loan Portfolio Residential- Fixed Rate 22% CRE 44% $3.5B outstanding as of June 30, 2022 54.1% Commercial 45.9% Consumer 3.51% Q2 2022 average yield excluding fair value accretion Residential- Adjustable Rate 19% Home Equity 3% Commercial & Industrial 8% 11 2019 and 2020 include acquired balances from Optima Bank & Trust Company and Wellesley Bancorp, Inc., respectively.

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