Investor Presentation

October 18, 2022

NASDAQ: CATC

Parent of Cambridge Trust Company

Contents

03

Company Profile

07

Financial Highlights

19

Merger with Northmark Bank

22

Strategic Focus

27

Appendix

This presentation includes non-GAAP measures and should be reviewed with the Company's Q3 2022 Earnings Release and SEC filings.

Company Profile

As of September 30, 2022

  • Banking subsidiary: Cambridge Trust Company (1890)
  • Private Bank & Wealth Management Firm
  • Headquarters: Harvard Square, Cambridge, MA
  • Client Wealth Assets: $3.8 billion
  • Banking Assets: $5.1 billion
    • Gross Loans: $3.6 billion
    • Total Deposits: $4.3 billion
  • Noninterest income: 24% of revenue
  • NASDAQ: CATC
  • Market Cap: $667 million*

3

*Market Cap is as of October 17, 2022.

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

ConcordDover

Portsmouth

Manchester

Bedford

Stratham

North Hampton

North Andover

Andover

Lexington

ConcordWinchester

Cambridge

Weston

Boston

Wellesley

Needham

CATC Branches (22)

CATC Wealth Offices (5)

5

Source: S&P Global Market Intelligence; FDIC

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Disclaimer

Cambridge Bancorp published this content on 18 October 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 18 October 2022 11:22:04 UTC.