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Centreville Bank

West Warwick, RI · Cert 17764 · Centreville MHC

SI · FDIC · 22 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

67

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

23

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Centreville Bank

West Warwick, RI · Cert 17764 · Centreville MHC

SI · FDIC · 22 branches

Q2 2026

$3.2BAssets
$2.4BLoans
$2.3BDeposits
$430.6MEquity
Loan mix
85%RE $2.0B12%C&I $0.3B3%Consumer $0.1BQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $2.0B12%Noninterest $0.3BQ3 2024Q2 2026

Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 2.9% share · #9 of 22 inst. · $1.8B of $61.9B

26.2% Kent
24.7% Northeastern Connecticut
0.6% Providence
1.7% Southeastern Connecticut

Executive Summary

  • Earnings: ROA of 1.30%, up 43 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 1.80% of loans (+109 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 13.35%, down 6 bps from a year ago.
  • Funding: loans stand at 105.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.30%1+43 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+16 bps YoY

Efficiency Ratio (YTD, annualized)

67.46%-140 bps YoY

Tier 1 Leverage Ratio

13.35%-6 bps YoY

NIM

4.96%Q2 ’245.12%Q2 ’255.04%Q2 ’26+14%+6%

Non-interest income vs. expense

2.01%Q2 ’242.08%Q2 ’252.19%Q2 ’26+3%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%10.90%0.96%0.87%1.09%1.01%0.86%1.30%1+43 bps
Return on Equity9.01%6.70%7.14%6.46%8.03%7.46%6.30%9.50%+305 bps
Net Interest Margin2.39%2.42%2.70%2.77%2.75%2.76%2.89%2.94%+16 bps
Efficiency Ratio74.79%74.00%71.32%68.86%68.70%69.16%69.15%67.46%-140 bps
Non-Interest Burden1.70%1.70%1.82%1.80%1.78%1.81%1.93%1.89%+10 bps
Growth
Asset Growth (YoY)14.18%10.55%7.09%6.25%5.29%7.65%8.32%8.94%+269 bps
Loan Growth (YoY)15.81%13.37%9.78%6.02%6.27%5.33%6.45%8.59%+257 bps
Deposit Growth (YoY)14.15%15.07%12.20%7.36%8.62%7.47%9.42%7.23%-13 bps
Asset Quality
Nonperforming Loans / Loans0.87%0.72%0.81%0.71%1.66%2.38%2.11%1.80%+109 bps
Net Charge-Offs / Loans0.13%0.13%0.11%0.09%0.08%0.31%0.08%0.08%0 bps
Allowance / Loans0.69%0.77%0.78%0.83%0.81%0.65%0.64%0.73%-10 bps
Allowance Coverage of NPLs0.8x1.1x1.0x1.2x0.5x0.3x0.3x0.4x-0.8x
Capital
Tier 1 Leverage Ratio13.52%13.31%13.34%13.42%13.57%13.18%13.07%13.35%-6 bps
Total Risk-Based Capital13.52%13.31%13.34%13.42%13.57%13.18%13.07%13.35%-6 bps
Equity / Assets13.58%13.31%13.58%13.46%13.78%13.59%13.66%13.66%+20 bps
Liquidity & Funding
Loans / Deposits103.21%102.89%102.21%103.69%100.98%100.84%99.44%105.00%+131 bps
Liquid Assets / Assets2.95%1.52%1.36%1.46%1.49%1.32%1.78%1.35%-11 bps
CRE / Total Capitaln/an/an/an/a316%324%319%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it. 1 One-time gains made up most of net income in the marked periods. Year to date through Q2 2026, gains on securities were $14.2M before tax, about $10.4M after an assumed 27% tax, or 52% of net income. Excluding them, ROA would be much lower. Source: Call Report Schedule RI, items 6.a, 6.b and 8.b.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Centreville Bank

West Warwick, RI · Cert 17764 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Centreville MHC

SI · FDIC · 22 branches

Q2 2026

$3.2BAssets
$2.4BLoans
$2.3BDeposits
$430.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 91% of banks $1B-$10B in assets operating regionally (rank 16 of 176).
  • Widest gap: net interest margin trails 89% of banks $1B-$10B in assets operating regionally (rank 157 of 176).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.27%

Rank 87 of 176

Net Interest Margin

2.94%

Rank 157 of 176

Efficiency Ratio

68.69%

Rank 137 of 176

Equity / Assets

13.66%

Rank 16 of 176

Non-interest income vs. expense

$9.1M$67.7MINCOMEEXPENSE
Unfavorable gap of $58.5M · efficiency ratio beats 23% of banks $1B-$10B in assets operating regionally
Bank 68.69%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.27%0.93%1.26%1.54%Beats 51%87 / 176
Return on Equity9.26%9.26%11.89%14.46%Beats 25%132 / 176
Net Interest Margin2.94%3.25%3.59%3.93%Beats 11%157 / 176
Efficiency Ratio68.69%52.79%59.55%67.66%Beats 23%137 / 176
Asset Quality
Nonperforming Loans / Loans1.80%0.30%0.64%1.32%Beats 12%156 / 176
Net Charge-Offs / Loans0.05%0.01%0.04%0.10%Beats 45%98 / 176
Capital
Tier 1 Capital Ratio13.35%11.15%12.72%14.15%Beats 63%65 / 176
Total Risk-Based Capital Ratio13.35%11.81%13.63%15.33%Beats 46%95 / 176
Equity / Assets13.66%9.16%10.35%11.80%Beats 91%16 / 176
Liquidity & Funding
Loans / Deposits105.00%80.94%89.73%97.21%94th pctl10 / 176
Loans / Assets76.49%69.25%75.12%80.82%55th pctl79 / 176
Brokered Deposits / Depositsn/aNot reported for this institution