CHARLES RIVER BANK
CHARLES RIVER BANK is an FDIC-insured commercial bank headquartered in MEDWAY, MA, established in 1915. As of , the bank reported total assets of $322M and total deposits of $299M. Profitability stands at 0.42% ROA and 6.51% ROE, with a net interest margin of 3.35%. CET1 capital ratio: 12.09%, well above regulatory minimums. NPL ratio: 0.20% · Texas Ratio: 2.10%. Operates 4 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Charles River Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.09% | 0.42% | 0.20% | 2.10% | 3.35% |
| 2025-09-30 | 11.83% | 0.39% | 0.18% | 1.92% | 3.23% |
| 2025-06-30 | 11.65% | 0.37% | 0.21% | 2.31% | 3.10% |
| 2025-03-31 | 11.72% | 0.14% | 0.22% | 2.44% | 2.90% |
| 2024-12-31 | 12.38% | 0.06% | 0.26% | 2.96% | 2.91% |
| 2024-09-30 | 12.89% | 0.51% | 0.63% | 6.46% | 3.00% |
| 2024-06-30 | 12.64% | 0.11% | 0.64% | 7.34% | 3.00% |
| 2024-03-31 | 12.64% | 0.42% | 0.65% | 7.48% | 3.06% |
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Frequently asked about CHARLES RIVER BANK
What are Charles River Bank's total assets?
As of the Q4 2025 filing, Charles River Bank reported total assets of $322.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Charles River Bank headquartered?
Charles River Bank is headquartered in MEDWAY, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Charles River Bank founded?
Charles River Bank was established in 1915, per the FDIC institution directory.
Is Charles River Bank FDIC-insured?
Yes. Charles River Bank is an FDIC-insured commercial bank (FDIC Certificate #26602). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Charles River Bank?
Charles River Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Charles River Bank's CET1 capital ratio?
Charles River Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.09% in its most recent quarterly filing — above regulatory minimums.
How many branches does Charles River Bank operate?
Charles River Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Charles River Bank's Texas Ratio?
Charles River Bank's Texas Ratio is 2.10% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.