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Shareholders' Equity (Tables)
12 Months Ended
Dec. 31, 2021
Equity [Abstract]  
Schedule of Minimum Capital Requirements Considered Well Capitalized by FRB and FDIC

The Company’s and the Bank’s actual and required capital measures were as follows:

 

 

 

Actual

 

 

Minimum Capital
Required For
Capital Adequacy Plus
Capital Conservation
Buffer

 

 

Minimum To Be
Well-Capitalized
Under
Prompt Corrective
Action Provisions

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

 

(dollars in thousands)

 

At December 31, 2021

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cambridge Bancorp:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted assets)

 

$

420,398

 

 

 

13.6

%

 

$

325,617

 

 

 

10.5

%

 

N/A

 

 

N/A

 

Tier 1 capital (to risk-weighted assets)

 

 

384,518

 

 

 

12.4

%

 

 

263,595

 

 

 

8.5

%

 

N/A

 

 

N/A

 

Common equity tier I capital (to risk-weighted assets)

 

 

384,518

 

 

 

12.4

%

 

 

217,078

 

 

 

7.0

%

 

N/A

 

 

N/A

 

Tier 1 capital (to average assets)

 

 

384,518

 

 

 

8.3

%

 

 

185,015

 

 

 

4.0

%

 

N/A

 

 

N/A

 

Cambridge Trust Company:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted assets)

 

$

409,806

 

 

 

13.2

%

 

$

325,587

 

 

 

10.5

%

 

$

310,082

 

 

 

10.0

%

Tier 1 capital (to risk-weighted assets)

 

 

373,926

 

 

 

12.1

%

 

 

263,570

 

 

 

8.5

%

 

 

248,066

 

 

 

8.0

%

Common equity tier I capital (to risk-weighted assets)

 

 

373,926

 

 

 

12.1

%

 

 

217,058

 

 

 

7.0

%

 

 

201,554

 

 

 

6.5

%

Tier 1 capital (to average assets)

 

 

373,926

 

 

 

8.1

%

 

 

185,003

 

 

 

4.0

%

 

 

231,254

 

 

 

5.0

%

 

 

 

Actual

 

 

Minimum Capital
Required For
Capital Adequacy Plus
Capital Conservation
Buffer

 

 

Minimum To Be
Well-Capitalized
Under
Prompt Corrective
Action Provisions

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

 

(dollars in thousands)

 

At December 31, 2020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cambridge Bancorp:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted assets)

 

$

378,393

 

 

 

13.9

%

 

$

285,145

 

 

 

10.5

%

 

N/A

 

 

N/A

 

Tier 1 capital (to risk-weighted assets)

 

 

344,409

 

 

 

12.7

%

 

 

230,832

 

 

 

8.5

%

 

N/A

 

 

N/A

 

Common equity tier I capital (to risk-weighted assets)

 

 

344,409

 

 

 

12.7

%

 

 

190,097

 

 

 

7.0

%

 

N/A

 

 

N/A

 

Tier 1 capital (to average assets)

 

 

344,409

 

 

 

8.9

%

 

 

155,009

 

 

 

4.0

%

 

N/A

 

 

N/A

 

Cambridge Trust Company:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted assets)

 

$

376,209

 

 

 

13.9

%

 

$

285,117

 

 

 

10.5

%

 

$

271,540

 

 

 

10.0

%

Tier 1 capital (to risk-weighted assets)

 

 

342,229

 

 

 

12.6

%

 

 

230,809

 

 

 

8.5

%

 

 

217,232

 

 

 

8.0

%

Common equity tier I capital (to risk-weighted assets)

 

 

342,229

 

 

 

12.6

%

 

 

190,078

 

 

 

7.0

%

 

 

176,501

 

 

 

6.5

%

Tier 1 capital (to average assets)

 

 

342,229

 

 

 

8.8

%

 

 

154,999

 

 

 

4.0

%

 

 

193,748

 

 

 

5.0

%