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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Medway, MA · FDIC certificate #26602
CHARLES RIVER BANK is an FDIC-insured institution based in Medway, MA (FDIC certificate #26602). In its Q3 2026 Call Report it reported total assets of $334M, total deposits of $312M and net loans of $228M. Its primary federal regulator is FED.
Plain-language readout
CHARLES RIVER BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $336M in Q2 2026 and were lowest at $330M in Q1 2026.
Total deposits were highest at $313M in Q2 2026 and lowest at $307M in Q1 2026.
Over the whole period total assets rose 1.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $334M | $312M | $228M | 0.50% | 7.82% | 3.37% |
| Q2 2026 | $336M | $313M | $231M | 0.41% | 6.31% | 3.34% |
| Q1 2026 | $330M | $307M | $233M | 0.34% | 5.28% | 3.32% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $32.5M | $26.7M | +$5.8M | +21.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $53.0M | $50.4M | +$2.6M | +5.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $223K | $416K | -$193K | -46.4% |
| Net loans and leases (after allowance) | $230.5M | $232.6M | -$2.1M | -0.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.1M | $8.2M | -$49K | -0.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $259K | $256K | +$3K | +1.2% |
| All other assets | $11.5M | $11.5M | -$37K | -0.3% |
| Total assets | $336.1M | $330.1M | +$6.0M | +1.8% |
| Liabilities | ||||
| Total deposits | $312.6M | $306.6M | +$6.0M | +2.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.9M | $2.3M | -$412K | -18.1% |
| Total liabilities | $314.4M | $308.9M | +$5.6M | +1.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $26.4M | $26.4M | $0K | 0.0% |
| Retained earnings | $672K | $278K | +$394K | +141.7% |
| Accumulated other comprehensive income | -$5.4M | -$5.4M | -$4K | -0.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $21.6M | $21.2M | +$390K | +1.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.1M | $1.1M | -$2K | -0.2% |
| Adjusted nonperforming assets | $1.1M | $1.1M | -$2K | -0.2% |
| Tangible equity plus allowance | $22.9M | $22.5M | +$387K | +1.7% |
| Texas ratio (gross) | 4.77% | 4.86% | -0.09 pts | See points |
| Texas ratio (adjusted) | 4.77% | 4.86% | -0.09 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.05% | 4.86% | +0.18 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.45% | 12.06% | +0.40 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.45% | 12.06% | +0.40 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.75% | 0.74% | +0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.21% | 12.80% | +0.41 pts | See points |
| Tier 1 leverage (approximate) | 7.93% | 7.93% | +0.00 pts | See points |
| Construction and land loans to total capital | 47.32% | 49.73% | -2.41 pts | See points |
| Commercial real estate to total capital | 177.32% | 181.94% | -4.62 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -26.96% | -27.33% | +0.37 pts | See points |
| Liquidity | ||||
| Core deposits | $257.8M | $255.9M | +$1.9M | +0.7% |
| Non-core funding | $54.7M | $50.6M | +$4.1M | +8.1% |
| Loans to core deposits | 90.00% | 91.49% | -1.49 pts | See points |
| Loans to deposits | 74.24% | 76.38% | -2.14 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 7.39% | 8.61% | -1.22 pts | See points |
| Loans pledged, share of loans | 31.40% | 31.94% | -0.55 pts | See points |
| Volatile liabilities | $54.7M | $50.6M | +$4.1M | +8.1% |
| Earnings | ||||
| Earnings before provision, year to date | $948K | $364K | +$584K | +160.4% |
| Earnings before provision, single quarter | $584K | $364K | +$220K | +60.4% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.46% | 5.36% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.70% | 3.63% | +0.07 pts | See points |
| Total interest income to average assets | 4.47% | 4.40% | +0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 0.56% | 0.47% | +0.09 pts | See points |
| Cost of savings and money market deposits | 0.53% | 0.49% | +0.04 pts | See points |
| Cost of time deposits | 3.86% | 3.81% | +0.05 pts | See points |
| Total interest expense to average assets | 1.40% | 1.40% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $334M | $312M | $228M | 0.50% | 7.82% | 3.37% |
| 2026-06-30 | $336M | $313M | $231M | 0.41% | 6.31% | 3.34% |
| 2026-03-31 | $330M | $307M | $233M | 0.34% | 5.28% | 3.32% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MA | $298.4M | 0.05% | 92 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.