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 | |