Charles River Bank
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
$336.1MAssets
$232.3MLoans
$312.6MDeposits
$21.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 79% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 6 of 29).
- Widest gap: equity / assets trails 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 29 of 29).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $8.4M · efficiency ratio beats 55% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |