This presentation includes non-GAAP measures and should be reviewed with the Company's Q2 2023 Earnings Release and SEC filings.
Company Profile
As of June 30, 2023
Banking subsidiary: Cambridge Trust Company (1890)
Private Bank & Wealth Management Firm
Headquarters: Harvard Square, Cambridge, MA
Client Wealth Assets: $4.4 billion
Banking Assets: $5.5 billion
Gross Loans: $4.0 billion
Total Deposits: $4.4 billion
Noninterest income: 24% of revenue
NASDAQ: CATC
Market Cap: $426 million
3
Geographic Footprint
ConcordDover
Portsmouth
Manchester
Bedford
Stratham
North Hampton
North Andover
Andover
Lexington
ConcordWinchester
Cambridge
Weston Boston
Wellesley Newton
Needham
CATC Branches (22)
CATC Wealth Offices (5)
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Source: S&P Global Market Intelligence; FDIC
Market Characteristics
Wealth Management capability is well-suited to the highly affluent Boston and southern New Hampshire markets
Greater Boston economy is diversified; the region is a global hub for innovation, healthcare, life sciences, and education2
Massachusetts is less reliant on federal funding compared to other states2
Cambridge Trust's private banking model caters to entrepreneurial local communities
Median Household Income ($000s)1
$106
$97
$74
Boston- Cambridge-
Manchester-Nashua
Nation
Newton MSA
MSA
Proj. Household Income Change ('23 - '28)1
14.3%
16.3%
13.4%
Boston- Cambridge-
Manchester-Nashua
Nation
Newton MSA
MSA
Unemployment Rates1
3.7%
2.1%
1.4%
Boston- Cambridge-
Manchester-Nashua
Nation
Newton MSA
MSA
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Source: S&P Global Market Intelligence as of 2023, and Bureau of Labor Statistics as of May 2023.
Source: Boston Business Journal as of April 2021, and WalletHub as of March 2023.
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Disclaimer
Cambridge Bancorp published this content on 18 July 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 18 July 2023 11:12:08 UTC.
Cambridge Bancorp is a bank holding company of Cambridge Trust Company (the Bank). The Bank operates approximately 22 banking offices in Eastern Massachusetts and New Hampshire. The Companyâs core services include Wealth Management, Commercial Banking, and Personal Banking. It offers a range of services to commercial enterprises, non-profit organizations, and individuals. It originates commercial and industrial (C&I) loans, commercial real estate (CRE) loans, construction loans, consumer loans, and residential real estate loans (including one-to-four family and home equity lines of credit), and accepts savings, money market, time, and demand deposits. In addition, it offers a range of commercial and personal banking services, which include cash management, online banking, mobile banking, and global payments. The Bankâs clients consist primarily of consumers and small-and medium-sized businesses in these communities and surrounding areas throughout Massachusetts and New Hampshire.
CAMBRIDGE BANCORP 
