Shareholders' Equity (Tables)

12 Months Ended

Dec. 31, 2019

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 (1)					Minimum To Be Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
	(dollars in thousands)
At December 31, 2019
Cambridge Bancorp:
Total capital (to risk-weighted assets)	$	272,727		13.6	%	$	210,342		10.5	%	N/A		N/A
Tier I capital (to risk-weighted assets)		254,497		12.7	%		170,277		8.5	%	N/A		N/A
Common equity tier I capital (to risk-weighted assets)		254,497		12.7	%		140,228		7.0	%	N/A		N/A
Tier I capital (to average assets)		254,497		9.0	%		113,365		4.0	%	N/A		N/A
Cambridge Trust Company:
Total capital (to risk-weighted assets)	$	271,034		13.5	%	$	210,341		10.5	%	$	200,325		10.0	%
Tier I capital (to risk-weighted assets)		252,804		12.6	%		170,276		8.5	%		160,260		8.0	%
Common equity tier I capital (to risk-weighted assets)		252,804		12.6	%		140,227		7.0	%		130,211		6.5	%
Tier I capital (to average assets)		252,804		8.9	%		113,364		4.0	%		141,705		5.0	%

(1)

The 2013 Capital Rules adopted by the Federal Reserve, Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation implementing Basel III were fully phased-in effective January 1, 2019.

	Actual					Minimum Capital Required For Capital Adequacy					Minimum Capital Required For Capital Adequacy Plus Capital Conservation Buffer Basel III Phase-In Schedule					Minimum Capital Required For Capital Adequacy Plus Capital Conservation Buffer Basel III Fully Phased In					Minimum To Be Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
	(dollars in thousands)
At December 31, 2018
Cambridge Bancorp:
Total capital (to risk-weighted assets)	$	189,888		13.2	%	$	114,666		8.0	%	$	141,541		9.875	%	$	150,500		10.5	%	N/A		N/A
Tier I capital (to risk-weighted assets)		173,070		12.1	%		86,000		6.0	%		112,875		7.875	%		121,833		8.5	%	N/A		N/A
Common equity tier I capital (to risk-weighted assets)		173,070		12.1	%		64,500		4.5	%		91,375		6.375	%		100,333		7.0	%	N/A		N/A
Tier I capital (to average assets)		173,070		8.5	%		81,507		4.0	%		81,507		4.000	%		81,507		4.0	%	N/A		N/A
Cambridge Trust Company:
Total capital (to risk-weighted assets)	$	185,507		12.9	%	$	114,666		8.0	%	$	141,541		9.875	%	$	150,500		10.5	%	$	143,333		10.0	%
Tier I capital (to risk-weighted assets)		168,689		11.8	%		86,000		6.0	%		112,875		7.875	%		121,833		8.5	%		114,666		8.0	%
Common equity tier I capital (to risk-weighted assets)		168,689		11.8	%		64,500		4.5	%		91,375		6.375	%		100,333		7.0	%		93,166		6.5	%
Tier I capital (to average assets)		168,689		8.3	%		81,507		4.0	%		81,507		4.000	%		81,507		4.0	%		101,884		5.0	%