Investor Presentaiton
Deposit and Net Interest Margin Profile
Total Deposits ($M)
5.25-Year CAGR
(through 2021)
+18.1%
$2,359
$1,775
$1,811
Deposit Composition
MMDA & Other
Savings 45%
$3.730
$3.403
Time Deposits 6%
Demand
Deposits
31%
NOW &
Other Trans.
Accounts
18%
2017
2018
2019
2020
2021
Non-Interest-Bearing Deposits ($M)
$1,155
$1,006
Core Deposits 94%
Adjusted Net Interest Margin & Cost of Deposits
Q1 2021 Avg. Cost of Deposits 0.15%
March 31, 2021 Spot Cost of Deposits: 0.13%
5.00%
3.33%
4.00%
3.22%
3.25%
3.36%
3.16%
$631
$494
$494
3.00%
2.00%
0.70%
1.00%
0.28%
0.19%
0.25%
0.15%
0.00%
2017
2018
2019
2020
Q1 2021
2017
2018
2019
2020
2021
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