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| Consumer Loan Portfolio Balance 40.8% 7.1% ■Residential - Fixed ■Residential - Adjustable ■ Home Equity 52.1% Usage 78.2% 100.0 0.5% 3.0% 0.0 Weighted Avg. LTV 57.6 WA LTV Geography 21.8% ■ Owner Occupied ■Non-Owner Occupied 15.4% ■MA ■ NH ■ME ■Other $1.4B outstanding as of March 31, 2021 81.1% CAMBRIDGE BANCORP The Weighted Avg. LTV calculation only includes one collateral property value for loans with multiple collateral and excludes loans with a zero balance. 17

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