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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 ( Mark One ) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM Commission File Number 001-38184 Massachusetts ( State or other jurisdiction of incorporation or organization ) 1336 Massachusetts Avenue FORM 10 - K Cambridge , MA ( Address of principal executive offices ) Common Stock ( Title of each class ) CAMBRIDGE BANCORP ( Exact name of Registrant as specified in its Charter ) ΤΟ Large accelerated filer Non - accelerated filer 04-2777442 ( I.R.S. Employer Identification No. ) 02138 ( Zip Code ) Registrant's telephone number , including area code : ( 617 ) 876-5500 Securities registered pursuant to Section 12 ( b ) of the Act : CATC NASDAQ ( Name of each exchange on which registered ) ( Trading symbol ) Securities registered pursuant to Section 12 ( g ) of the Act : None ( Title of class ) Indicate by check mark if the Registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . YES □ NO Indicate by check mark if the Registrant is not required to file reports pursuant to Section 13 or 15 ( d ) of the Act . YES □ NO " Indicate by check mark whether the Registrant : ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the Registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . YES NO ☐ Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( §232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the Registrant was required to submit ) . YES NO Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Accelerated filer Smaller reporting company Emerging growth company ☐ ☐ › If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . Indicate by check mark whether the Registrant is a shell company ( as defined in Rule 12b - 2 of the Exchange Act ) . YES □ NO Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 726.2 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . YES NO The aggregate market value of the voting and non - voting common equity held by non - affiliates of the Registrant , based on the closing price of the shares of common stock on The NASDAQ Stock Market on June 30 , 2020 , was $ 378.5 million . The number of shares of Registrant's Common Stock outstanding as of March 12 , 2021 was 6,960,194 . DOCUMENTS INCORPORATED BY REFERENCE Portions of the Registrant's Definitive Proxy Statement relating to the Annual Meeting of Shareholders , scheduled to be held on May 17 , 2021 , are incorporated by reference into Part III of this Report .