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Charles River Bank
Medway, MA · FDIC Certificate #26602 · Chartered 01/0
Total assets
$336.06M
Total deposits
$312.57M
Total equity
$21.62M
Net loans
$230.75M
Branches (offices)
4
Net income (YTD)
$672.00K
Rank: #2,309 of 4,213 U.S. banks by assets · #77 of 89 in Massachusetts. Assets changed 5.1% and deposits 4.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.41% |
| Return on equity | 6.31% |
| Net interest margin (YTD) | 3.34% |
| Equity to assets | 6.43% |
| Tier 1 leverage ratio | 7.93% |
| Uninsured deposits (share of deposits) | 29.6% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 73.8% |
| Real estate loans (share of loans) | 94.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $217.48M | 94.2% | |
| Commercial & industrial | $7.04M | 3.1% | |
| Consumer / individual | $7.74M | 3.4% | |
| Construction & development | $13.57M | 5.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $328.02M | $307.17M | $581.00K | $17.31M |
| Jun 2023 | $318.05M | $297.98M | $679.00K | $16.45M |
| Jun 2024 | $302.21M | $282.60M | $392.00K | $17.24M |
| Jun 2025 | $319.74M | $298.44M | $408.00K | $19.41M |
| Jun 2026 | $336.06M | $312.57M | $672.00K | $21.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $312.57M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $312.57M.
Similar-sized banks
The Citizens State Bank ($336.19M) · The First National Bank Of St. Ignace ($335.82M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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