Investor Presentaiton

| Commercial Banking As of March 31, 2021 Business Deposits represented 49% of total deposits with a weighted average cost of deposits of 0.08% Continuing to invest in Innovation Banking: Dedicated team focused on the financial needs of growth stage companies operating in greater Boston Focused on continued diversification of the commercial portfolio into Commercial & Industrial Dedicated and centralized credit risk management function CAMBRIDGE BANCORP *Commercial & Industrial excludes PPP loans Commercial Loans ($M) ■Commercial Mortgage ■Commercial & Industrial* $1,194 $852 $699 $1,583 $1,586 2017 2018 2019 2020 2021 13

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