Charles River Bank
Medway, MA
IDRSSD: 947776
Total Assets
$325.40M
Latest filing
Total Deposits
$303.01M
Latest filing
Net Interest Margin
3.35%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Charles River Bank
70 Main St
Medway, MA 02053
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1915FDIC Certificate 35323
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Charles River Bank (Main) | 70 Main St | Medway, MA |
| MEDWAY HIGH SCHOOL BRANCH | 88 Summer St | Medway, MA |
| BELLINGHAM BRANCH | 3 S Maple St | Bellingham, MA |
| CHARLES RIVER BANK BRANCH | 1 Hastings St | Mendon, MA |
Showing 3 of 3
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
New Valley Bank & Trust
Springfield, Massachusetts
→
Assets: $340.37MΔ +6.5%
Washington Savings Bank
Lowell, Massachusetts
→
Assets: $297.26MΔ -7.0%
Marblehead Bank
Marblehead, Massachusetts
→
Assets: $256.96MΔ -19.6%
BankGloucester
Gloucester, Massachusetts
→
Assets: $390.41MΔ +22.1%
Bank of Easton
North Easton, Massachusetts
→
Assets: $235.60MΔ -26.3%
Winter Hill Bank, FSB
Somerville, Massachusetts
→
Assets: $420.34MΔ +31.5%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1915 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 02053 |
| State and County Number | 25021 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 15 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 50 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 03/25/1986 |
| Primary Insurance Agency | DIF |
| Website | www.charlesriverbank.com |
| Data Updated | 11/14/2025 |
| CERT | 26602 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $325.40M |
| Total Deposits | $303.01M |
| Total Liabilities | $305.04M |
| Total Equity Capital | $20.36M |
| Net Income | $318.00k |
| Net Loans and Leases | $234.88M |
| Assets Per Employee ($Millions) | $6.92M |
| Bank Premises and Fixed Assets | $8.30M |
| Cash and Balances due from Depository Institutions | $21.93M |
| Deposits Held in Domestic Offices | $303.01M |
Key Performance Ratios
| Return on Assets (ROA) | 0.39% |
| Return on Equity (ROE) | 6.4% |
| Net Interest Margin | 3.35% |
| Efficiency Ratio | 82.75% |
| Tier 1 Risk-Based Capital Ratio | 11.832% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.257% |
| Earning Assets to total Assets | 93.03% |
Income and Expense
| Total Interest Income | $3.72M |
| Total Noninterest Income | $337.00k |
| Total Interest Expense | $1.21M |
| Total Noninterest Expense | $2.36M |
| Net Interest Income | $2.51M |
| Pre-tax Net Operating Income | $491.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.03M |
| Total Liabilities and Capital | $325.40M |
Securities
| Securities | $48.77M |
| Available-for-sale debt securities | $48.77M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Charles River Bank?
$325.40M as of the latest filing.
How much are Charles River Bank's total deposits?
$303.01M in total deposits.
Where is Charles River Bank located?
Medway, MA.
What is the Net Interest Margin?
3.35%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1915.
What is the Return on Assets (ROA)?
0.39%.
How much are total loans and leases?
$234.88M (latest filing).
What is the total interest income (latest filing)?
$3.72M.