The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 3 points (54 → 57), mostly because the earnings component improved by 6 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Massachusetts

Yes. Charles River Bank is an FDIC-insured institution (FDIC certificate #26602). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.6% of deposits ($92.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.93%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.21% (benchmark: 10%).

Check how much of your own balance is covered

Charles River Bank lists 3 offices in 3 cities. Most locations:

• Bellingham, MA (1)
• Medway, MA (1)
• Mendon, MA (1)

All branch addresses and map

In 2025, Charles River Bank reported 62 home-loan applications under HMDA (LEI 254900639EOJ1QZC2567): 35 originated ($25,355,000 total), 14 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Charles River Bank

Former names

Medway Co-operative Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

26602

RSSD ID

947776

Primary regulator

FED

Holding company

Charles River Bcorp Mhc

Established

January 1, 1915

Headquarters

70 Main St, Medway, MA 02053

Website

www.charlesriverbank.com

Employees

48