Investor Presentaiton
|
Deposit and Net Interest Margin Profile
Total Deposits ($M)
5.5-Year CAGR
(through 2022)
+18%
$3,403
$4,331
$4,264
MMDA &
Other
Savings 47%
Deposit Composition
Core Deposits 97%
Demand
Deposits
33%
$2,359
$1,811
Time Deposits 3%
2018
2019
2020
2021
2022
Non-Interest-Bearing Deposits ($M)
NOW &
Other Trans.
Accounts
17%
Adjusted Net Interest Margin & Cost of Deposits
Q2 2022 Avg. Cost of Deposits: 0.17%
June 30, 2022 Spot Cost of Deposits: 0.17%
$1,394
$1,399
5.00%
$1,006
4.00%
3.36%
3.33%
3.22%
2.93%
3.00%
2.67%
2.81%
$631
$494
2.00%
0.70%
1.00%
0.28%
0.25%
0.13%
0.17%
0.17%
0.00%
2018
2019
2020
2021
Q1 2022 Q2 2022
2018
2019
2020
2021
2022
Adj. Net Interest Margin
Cost of Deposits
CAMBRIDGE BANCORP
12
2019 and 2020 include acquired balances from Optima Bank & Trust Company and Wellesley Bancorp, Inc., respectively.View entire presentation