Medway, MA · Cert 26602 · Charles River Bcorp MHC
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28 to 29). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
36
Profitability
68
Liquidity
5
Efficiency
55
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Medway, MA · Cert 26602 · Charles River Bcorp MHC
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #62 of 100 inst. · $0.3B of $580.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.27% | 0.14% | 0.26% | 0.31% | 0.33% | 0.34% | 0.41% | +15 bps | |
| Return on Equity | 5.84% | 4.65% | 2.47% | 4.37% | 5.07% | 5.46% | 5.28% | 6.31% | +194 bps | |
| Net Interest Margin | 2.76% | 2.73% | 2.70% | 2.78% | 2.81% | 2.89% | 2.99% | 3.01% | +22 bps | |
| Efficiency Ratio | 88.91% | 90.74% | 94.10% | 89.39% | 87.05% | 86.36% | 87.12% | 83.68% | -571 bps | |
| Non-Interest Burden | 2.39% | 2.43% | 2.52% | 2.44% | 2.39% | 2.44% | 2.56% | 2.45% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.81% | 2.93% | 6.04% | 5.80% | 6.90% | 3.31% | 5.65% | 5.11% | -69 bps | |
| Loan Growth (YoY) | 2.43% | 3.67% | 6.55% | 9.09% | 11.22% | 6.34% | 2.43% | -0.93% | -1,002 bps | |
| Deposit Growth (YoY) | -1.86% | 3.54% | 6.03% | 5.61% | 7.11% | 2.44% | 5.07% | 4.73% | -87 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.14% | 0.52% | 0.54% | 0.50% | 0.50% | 0.47% | 0.47% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.01% | 0.01% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.70% | 0.68% | 0.65% | 0.65% | 0.64% | 0.65% | 0.65% | 0.65% | +1 bps | |
| Allowance Coverage of NPLs | 4.9x | 4.9x | 1.2x | 1.2x | 1.3x | 1.3x | 1.4x | 1.4x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.04% | 8.00% | 7.95% | 7.95% | 7.82% | 7.93% | 7.93% | 7.93% | -2 bps | |
| Total Risk-Based Capital | 13.72% | 13.17% | 12.46% | 12.39% | 12.57% | 12.84% | 12.80% | 13.21% | +82 bps | |
| Equity / Assets | 6.35% | 5.70% | 6.03% | 6.07% | 6.26% | 6.53% | 6.43% | 6.43% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.13% | 75.16% | 78.49% | 78.56% | 78.01% | 78.03% | 76.51% | 74.31% | -424 bps | |
| Liquid Assets / Assets | 6.21% | 6.43% | 3.51% | 4.52% | 5.87% | 6.31% | 7.17% | 8.93% | +441 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 347% | 341% | 346% | n/a | n/a | |
Medway, MA · Cert 26602 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29) · Charles River Bcorp MHC
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
0.40%
Rank 14 of 29
Net Interest Margin
3.01%
Rank 8 of 29
Efficiency Ratio
83.68%
Rank 14 of 29
Equity / Assets
6.43%
Rank 29 of 29
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.40% | 0.23% | 0.39% | 0.50% | Beats 52% | 14 / 29 | ||
| Return on Equity | 6.22% | 2.29% | 3.46% | 5.78% | Beats 79% | 6 / 29 | ||
| Net Interest Margin | 3.01% | 2.42% | 2.71% | 3.01% | Beats 72% | 8 / 29 | ||
| Efficiency Ratio | 83.68% | 78.96% | 84.14% | 93.09% | Beats 55% | 14 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.03% | 0.13% | 0.43% | Beats 24% | 23 / 29 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 48% | 18 / 29 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.46% | 11.54% | 13.48% | 16.99% | Beats 34% | 19 / 29 | ||
| Total Risk-Based Capital Ratio | 13.21% | 11.54% | 14.44% | 17.87% | Beats 31% | 20 / 29 | ||
| Equity / Assets | 6.43% | 8.70% | 9.70% | 11.05% | Beats 0% | 29 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.31% | 84.22% | 92.17% | 95.56% | 11th pctl | 25 / 28 | ||
| Loans / Assets | 69.12% | 69.12% | 73.70% | 81.02% | 24th pctl | 22 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||