Investor Presentation

July 20, 2021

NASDAQ: CATC Parent of Cambridge Trust Company

Contents

03

Company Profile

07

Financial Highlights

20

Strategic Focus

24

Appendix

This presentation includes non-GAAP measures and should be reviewed with the Company's Q2 2021 Earnings Release and SEC filings.

Company Profile

As of June 30, 2021

  • Banking subsidiary: Cambridge Trust Company (1890)
  • Private Bank & Wealth Management Firm
  • Headquarters: Harvard Square, Cambridge, MA
  • Client Wealth Assets: $4.5 billion
  • Banking Assets: $4.3 billion
    • Gross Loans: $3.3 billion
    • Total Deposits: $3.8 billion
  • Noninterest income: 25% of revenue
  • NASDAQ: CATC
  • Market Cap: $588 million*

3

*Market Cap is as of July 1, 2021

Why Cambridge Bancorp?

  • Market of operations offer significant long term growth prospects
  • Private Banking business model with diversified fee revenue through wealth management focus
  • Strong financial performance with excellent asset quality track record
  • Low cost core deposit base
  • Financially and strategically attractive acquisitions

Client

4

Geographic Footprint

Concord

Dover

Portsmouth

Exeter

Manchester

Hampton

CATC Branches (19) CATC Wealth Offices (5)

Concord Lexington

Cambridge

Weston Newton Boston

Wellesley Needham

5

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Disclaimer

Cambridge Bancorp published this content on 20 July 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 20 July 2021 11:13:09 UTC.