| Metric | Charles River Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +4.7% | +4.0% | +0.8 pts |
| Loan growth (YoY) | -0.9% | +5.6% | -6.5 pts |
| ROA | 0.41% | 1.24% | -0.8 pts |
| ROE | 6.3% | 11.9% | -5.6 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $336.1M | $312.6M | $230.8M | $21.6M | $672K | 0.41% | 3.34% | 0.32% |
| Q1 2026 | $330.1M | $306.6M | $233.1M | $21.2M | $279K | 0.34% | 3.32% | 0.33% |
| Q4 2025 | $322.0M | $298.7M | $231.5M | $21.0M | $1.1M | 0.33% | 3.26% | 0.36% |
| Q3 2025 | $325.4M | $303.0M | $234.9M | $20.4M | $726K | 0.31% | 3.18% | 0.36% |
| Q2 2025 | $319.7M | $298.4M | $232.9M | $19.4M | $408K | 0.26% | 3.09% | 0.40% |
| Q1 2025 | $312.4M | $291.8M | $227.5M | $18.9M | $113K | 0.14% | 3.00% | 0.38% |
| Q4 2024 | $311.7M | $291.6M | $217.7M | $17.8M | $828K | 0.27% | 3.10% | 0.10% |
| Q3 2024 | $304.4M | $282.9M | $211.0M | $19.3M | $780K | 0.35% | 3.13% | 0.10% |
Loan mix (Q2 2026): real estate $217.5M · commercial $7.0M · consumer $7.7M · securities $53.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Charles River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 62.9% | 89th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Charles River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Charles River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Charles River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Charles River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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