XML 46 R35.htm IDEA: XBRL DOCUMENT v3.21.2
Shareholders' Equity (Tables)
6 Months Ended
Jun. 30, 2021
Equity [Abstract]  
Schedule of Minimum Capital Requirements Considered Well Capitalized by FRB and FDIC

As of June 30, 2021 and December 31, 2020, the Company and the Bank met all applicable minimum capital requirements and were considered “well-capitalized” by both the Federal Reserve Bank (“FRB”) and the Federal Deposit Insurance Corporation (“FDIC”).  

 

 

 

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 June 30, 2021

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cambridge Bancorp:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted assets)

 

$

401,412

 

 

 

13.9

%

 

$

303,775

 

 

 

10.5

%

 

N/A

 

 

N/A

 

Tier I capital (to risk-weighted assets)

 

 

365,434

 

 

 

12.6

%

 

 

245,913

 

 

 

8.5

%

 

N/A

 

 

N/A

 

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

 

 

365,434

 

 

 

12.6

%

 

 

202,516

 

 

 

7.0

%

 

N/A

 

 

N/A

 

Tier I capital (to average assets)

 

 

365,434

 

 

 

8.7

%

 

 

167,450

 

 

 

4.0

%

 

N/A

 

 

N/A

 

Cambridge Trust Company:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital (to risk-weighted assets)

 

$

396,759

 

 

 

13.7

%

 

$

303,746

 

 

 

10.5

%

 

$

289,282

 

 

 

10.0

%

Tier I capital (to risk-weighted assets)

 

 

360,781

 

 

 

12.5

%

 

 

245,890

 

 

 

8.5

%

 

 

231,426

 

 

 

8.0

%

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

 

 

360,781

 

 

 

12.5

%

 

 

202,497

 

 

 

7.0

%

 

 

188,033

 

 

 

6.5

%

Tier I capital (to average assets)

 

 

360,781

 

 

 

8.6

%

 

 

167,439

 

 

 

4.0

%

 

 

209,299

 

 

 

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 I 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 I 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 I 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 I capital (to average assets)

 

 

342,229

 

 

 

8.8

%

 

 

154,999

 

 

 

4.0

%

 

 

193,748

 

 

 

5.0

%