BlastPoint's Banking Scorecard

Charles River Bank

$100M-$1B Specialty: Commercial MA FDIC cert 26602

Medway, MA

4 branches across MA

2664 banks in the $100M-$1B peer group nationally 39 in MA

Charles River Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 0.93% below tier average
- Efficiency Ratio 21.83% above tier average
- Net Interest Margin 0.61% below tier average

Get updates when Charles River Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$330.1M +5.6% YoY +2.5% QoQ	-$56.0M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	51%
Total Loans ?	$233.1M +2.4% YoY +0.7% QoQ	-$22.7M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$306.6M +5.1% YoY +2.6% QoQ	-$21.4M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	56%
Return on Assets ?	0.34% +136.3% YoY +2.5% QoQ	-0.93%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 9.0% in tier
Net Interest Margin ?	3.32% +10.5% YoY +1.8% QoQ	-0.61%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	87.12% -7.4% YoY +0.9% QoQ	+21.83%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 8.5% in tier
Delinquency Rate ?	0.47% -10.6% YoY -6.9% QoQ	-0.42%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	47%
Loan-to-Deposit Ratio ?	76.02% -2.5% YoY -1.9% QoQ	-0.62%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	20.08% -5.4% YoY -5.0% QoQ	-1.94%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	46%
Nonperforming Asset Ratio ?	0.33% -13.3% YoY -8.6% QoQ	-0.31%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	48%
Tier 1 Capital Ratio ?	12.06% +2.9% YoY -0.3% QoQ	-3.77%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.09% -5.7% YoY -78.4% QoQ	-0.19%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	48%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2439

Efficiency Ratio

profitability

Value: 87.12%

Peer Median: 65.29%

#2439 of 2664 Bottom 8.5% in $100M-$1B

2425

Return on Assets

profitability

Value: 0.34%

Peer Median: 1.27%

#2425 of 2664 Bottom 9.0% in $100M-$1B

2071

Net Interest Margin

profitability

Value: 3.32%

Peer Median: 3.93%

#2071 of 2664 Bottom 22.3% in $100M-$1B