BlastPoint's Banking Scorecard
Charles River Bank
Medway, MA
4 branches across MA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
- Deposits +4.7% year over year ($312.6M on the books).
- Delinquency rate 0.47%.
- Return on assets 0.41%.
- Efficiency ratio 83.68% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.82% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Charles River Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 46.8% in tier
- - Return on Assets 0.91% below tier average
- - Net Interest Margin 0.65% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$336.1M
+5.1% YoY
+1.8% QoQ
|
-$50.5M |
$386.6M
+1.2% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
52% |
| Total Loans ? |
$230.8M
-0.9% YoY
-1.0% QoQ
|
-$27.6M |
$258.3M
+1.7% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$312.6M
+4.7% YoY
+2.0% QoQ
|
-$14.2M |
$326.7M
+0.7% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
57% |
| Return on Assets ? |
0.41%
+57.3% YoY
+19.2% QoQ
|
-0.91% |
1.32%
+10.8% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
Bottom 10.0% in tier |
| Net Interest Margin ? |
3.34%
+8.0% YoY
+0.8% QoQ
|
-0.65% |
3.99%
+5.0% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
83.68%
-6.4% YoY
-3.9% QoQ
|
+19.20% |
64.48%
-3.2% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 10.1% in tier |
| Delinquency Rate ? |
0.47%
-12.7% YoY
+0.8% QoQ
|
-0.45% |
0.92%
+15.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
73.82%
-5.4% YoY
-2.9% QoQ
|
-4.13% |
77.95%
+1.0% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
23.88%
+11.7% YoY
+18.9% QoQ
|
+1.85% |
22.03%
-0.6% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.32%
-17.7% YoY
-2.0% QoQ
|
-0.34% |
0.67%
+16.4% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
12.45%
+6.9% YoY
+3.3% QoQ
|
-3.45% |
15.91%
+1.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.20%
-11.0% YoY
+116.1% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
51% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.9%
+2.5pp YoY +3.8pp QoQ |
+1.7pp | 22.1% | 16.2% | 22.2% | 62% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.1%
-0.3pp YoY -0.8pp QoQ |
-8.5pp | 11.6% | 6.5% | 12.5% | 10% |
| CRE |
39.8%
+2.3pp YoY +0.3pp QoQ |
+0.3pp | 39.5% | 40.3% | 41.4% | 53% |
| 1-4 Family |
54.2%
-1.0pp YoY +0.7pp QoQ |
+21.6pp | 32.6% | 52.4% | 31.3% | 86% |
| Consumer |
3.4%
-0.9pp YoY -0.1pp QoQ |
-0.8pp | 4.1% | 1.6% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
+0.8pp YoY +0.4pp QoQ |
-6.4pp | 18.8% | 16.6% | 19.7% | 22% |
| Leverage Ratio |
7.9%
0.0pp YoY 0.0pp QoQ |
-4.2pp | 12.2% | 11.5% | 12.6% | 2% |
| Total Capital Ratio |
13.2%
+0.8pp YoY +0.4pp QoQ |
-6.7pp | 19.9% | 17.5% | 20.8% | 18% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
48
-2 (-4.0%) YoY -5 (-9.4%) QoQ |
-11 | 58 | 755 | 482 | 50% |
| Assets per Employee ($) |
$7.0M
+9.5% YoY +12.4% QoQ |
-$517K | $7.5M | $10.7M | $8.8M | 52% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 13 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 0.3% | 0.1% | 0.4% | 78% |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 17% |
| Allowance Coverage |
1.39x
+15.8% YoY +0.2% QoQ |
-22.76x | 24.15x | 7.95x | 20.23x | 37% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 21% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.3%
+1.9pp YoY +1.0pp QoQ |
-5.9pp | 12.2% | 5.6% | 11.6% | 18% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 2.0% | 1.7% | 39% |
| Net Income ($, YTD) |
$672,000
+64.7% YoY — QoQ |
-$1.9M | $2.6M | $31.7M | $40.4M | 15% |
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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 (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.