PitchSend

Investor Presentaiton

| Asset Quality Highlights 0.27% NPAs / Assets 0.12% 0.12% 0.11% 0.28% NPLs / Loans 0.16% 0.17% 0.17% 2020 2021 Q1 2022 Q2 2022 2020 2021 Q1 2022 Q2 2022 Reserves / Loans (1) 1.19% 1.05% 1.00% 0.97% Annualized Net Charge Offs (Recoveries)/Loans 14-year average NCOs of 0.01% 0.01% 0.00% 0.00% 0.00% 2020 2021 Q1 2022 Q2 2022 2020 2021 Q1 2022 Q2 2022 CAMBRIDGE BANCORP 17 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, 2021 and 2022 excludes PPP loans.

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