Charles River Bank
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Data as of · sourced from FFIEC call reports. How we update
Charles River Bank is an FDIC-insured commercial bank headquartered in Medway, MA, established in 1915 (FDIC certificate 26602), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $336.1M, up 5.1% from Q2 2025, the 77th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 12.46% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 26602
- Headquarters
- Medway, MA
- Established
- 1915
- Total assets, Q2 2026
- $336.1M
- Assets vs Q2 2025
- +5.1%
- CET1 ratio, Q2 2026
- 12.46%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 211373018
- Holding company
- CHARLES RIVER BANCORP INC
- Asset rank in state
- 77th of 89 in Massachusetts
Charles River Bank operates with a thinner capital cushion than most banks of its size. It reported $336 million in assets at June 30, 2026, up 5.1% from a year earlier. It funds 7.93% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also earns about $0.46 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
Earnings jumped: net income for the quarter was $393,000, 33% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $7.3 million equal 27% of Tier 1 capital, down from 33% a year earlier. Costs are the weak spot: it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Charles River Bank reported a CET1 capital ratio of 12.46%, a return on assets of 0.46%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 4.72%. The figures come from its call report filed with the FFIEC.
Charles River Bank ranks as the 77th largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $336.1M, loans fell 1.0% and deposits rose 2.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 53.9% of total loans, ahead of owner-occupied commercial real estate loans at 17.6%. The FDIC Summary of Deposits lists 4 offices for it, in Medway, MA, Mendon, MA and Bellingham, MA; its Medway 2 offices book 68% of its branch deposits. On its Q2 2026 call report, Charles River Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 70 Main St, Medway, MA 02053
- County
- Norfolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1915
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $312.6M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $341.0M
- Average total loans
- $232.4M
- Average interest-bearing deposits
- $239.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 25, 1986
- FDIC Cert
- 26602
- Fed RSSD
- 947776
- Website
- www.charlesriverbank.com →
- Parent Holding Company
- CHARLES RIVER BANCORP INC (RSSD 3966031)
- Ultimate Parent
- CHARLES RIVER BANCORP, MHC (RSSD 3966022)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Charles River Bank's total assets moved between a low of $294.7M (Q1 2024) and a high of $336.1M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$336.1M total assets against $319.7M; $314.4M total liabilities against $300.3M.
$230.8M net loans and leases against $232.9M; $312.6M total deposits against $298.4M.
$53.0M securities against $49.4M; $32.5M cash and balances due against $17.3M.
$3.8M total interest income against $3.5M; $1.2M total interest expense against $1.2M.
$2.6M net interest income against $2.3M.
$372K total noninterest income against $418K; $2.4M total noninterest expense against $2.3M.
$0 provision for credit losses against $23K.
$393K net income against $295K.
0.46% return on assets against 0.36%; 3.26% net interest margin against 3.09%.
12.46% CET1 capital ratio against 11.65%; 7.93% tier 1 leverage ratio against 7.95%.
Inside the full Charles River Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCharles River Bank rankings
Its closest position to the top of a national ranking is 1,414 of 3,640, for Texas Ratio; its furthest is 3,282 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.06% (Q4 2024) to 0.49% (Q3 2024) and its net interest margin ran from 2.90% (Q4 2024) to 3.34% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.46% | 0.46% | 0.47% | 4.72% | 3.26% |
| Q1 2026 | 12.06% | 0.33% | 0.47% | 4.81% | 3.19% |
| Q4 2025 | 12.09% | 0.41% | 0.50% | 5.18% | 3.34% |
| Q3 2025 | 11.83% | 0.38% | 0.50% | 5.37% | 3.22% |
| Q2 2025 | 11.65% | 0.36% | 0.54% | 6.04% | 3.09% |
| Q1 2025 | 11.72% | 0.14% | 0.52% | 5.87% | 2.90% |
| Q4 2024 | 12.38% | 0.06% | 0.14% | 1.56% | 2.90% |
| Q3 2024 | 12.89% | 0.49% | 0.14% | 1.46% | 2.99% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Charles River Bank (main office) | Medway , MA | 02053 | $212.5M |
| Charles River Bank Branch | Mendon , MA | 01756 | $56.3M |
| Bellingham Branch | Bellingham , MA | 02019 | $43.3M |
| Medway High School Branch | Medway , MA | 02053 | $429K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 87 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 66 applications, 35 loans originated, $25.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $327K approved, $164K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Charles River Bank
What are Charles River Bank's total assets?
As of the Q2 2026 filing, Charles River Bank reported total assets of $336.1 million in its FFIEC call report.
Where is Charles River Bank headquartered?
It is headquartered in Medway, MA, United States.
When was Charles River Bank founded?
It was established in 1915, per the FDIC institution directory.
Is Charles River Bank FDIC-insured?
Yes. It 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 Federal Reserve.
What is Charles River Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.46% in its Q2 2026 call report, above regulatory requirements.
How many branches does Charles River Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Charles River Bank's Texas Ratio?
Its Texas Ratio is 4.72% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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