Investor Presentaiton

| Asset Quality Highlights NPAs / Assets NPLs / Loans 0.27% 0.25% 0.28% 0.22% 0.20% 0.23% 2019 0.82% 2019 2020 Reserves / Loans (1) 1.19% Q1 2021 2019 1.18% 2020 Q1 2021 2020 Q1 2021 Annualized Net Charge Offs (Recoveries)/Loans 0.07% 13 year average NCOs of 0.02% 0.00% (0.02%) 2019 2020 Q1 2021 CAMBRIDGE BANCORP 18 1: The Company adopted CECL in Q1 2020. As a result of the COVID-19 pandemic, the Company increased the allowance for credit losses in 2020. The Reserve to Loan level in 2020 and 2021 excludes PPP loans.

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