Charles River Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Charles River Bank of Medway, MA against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.46% | 1.25% | -0.79% | 11th bottom |
| ROAE | 7.34% | 13.17% | -5.83% | 21st bottom |
| Net Interest Margin | 3.26% | 3.95% | -0.69% | 17th bottom |
| Efficiency Ratio | 80.42% | 61.50% | +18.92% | 12th bottom |
| PPNR / Avg Assets | 0.69% | — | — | 11th bottom |
| Yield on Earning Assets | 4.76% | 5.67% | -0.91% | 15th bottom |
| Cost of Funds | 1.55% | 1.87% | -0.32% | 66th above |
| Net Interest Spread | 2.78% | — | — | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.93% | -0.73% | 64th above |
| NPA / Total Assets | 0.14% | — | — | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 49th below |
| ACL / Total Loans | 0.65% | — | — | 6th bottom |
| ACL / NPLs (Coverage) | 326.45% | — | — | 62nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.72% | 6.06% | -1.34% | 37th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.46% | 17.18% | -4.72% | 22nd bottom |
| Tier 1 Ratio | 12.46% | 17.21% | -4.75% | 22nd bottom |
| Total Capital Ratio | 13.21% | — | — | 18th bottom |
| Leverage Ratio | 7.93% | 11.75% | -3.82% | 2nd bottom |
| Equity / Assets | 6.43% | 10.98% | -4.55% | 4th bottom |
| TCE / Tangible Assets | 6.43% | — | — | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.31% | 80.44% | -6.13% | 63rd above |
| Core Deposit Ratio | 82.49% | 86.95% | -4.46% | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.11% | — | — | 55th above |
| Loan Growth (Y/Y) | -0.93% | — | — | 19th bottom |
| Deposit Growth (Y/Y) | 4.73% | — | — | 55th above |
See Charles River Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Charles River Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Charles River Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Charles River Bank peer analysis.