Investor Presentaiton

I Wealth Management & Noninterest Income Listed as the 19th largest Independent Investment Advisor in Massachusetts by the Boston Business Journal in 2020 Client Wealth Assets ($M) 5.25-Year CAGR (through 2021) +11.2% Net Client Flows ($M) 2017 2018 2019 2020 2021 Starting AUM $2,573 $2,971 $2,760 $3,287 $3.994 $4,168 $4,267 Acquired AUM* 339 $3.453 $3,086 $2,877 Net Flows 74 (176) (69) 16 Net Market 324 (35) 532 437 74 Impact Ending AUM $2,971 $2,760 $3,287 $3.994 $4,084 Custody Assets 115 117 165 174 184 Total WM Assets $3,086 $2,877 $3.453 $4,168 $4,267 2017 2018 2019 2020 2021 Wealth Management Revenue ($M) $29.8 $25.2 $26.5 $23.0 $8.2 0.79% 0.80% 0.81% AUM AUM AUM Fee Fee Fee 0.84% AUM Fee 0.80% AUM Fee Noninterest Income ($M) NII was 26% of Revenue in 2021 $39.5 $33.0 $36.4 $30.2 LLLL 2017 2018 2019 2020 YTD 2021 *Acquired in our merger with Wellesley Bancorp, Inc. CAMBRIDGE BANCORP 2017 2018 2019 Wealth Management AUM Fee represents the weighted average fee on Assets Under Management during the period 2020 All Other $10.8 YTD 2021 10

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