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
Unfavorable gap of $58.5M · efficiency ratio beats 23% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.93% | 1.26% | 1.54% | Beats 51% | 87 / 176 | | |
| Return on Equity | 9.26% | 9.26% | 11.89% | 14.46% | Beats 25% | 132 / 176 | | |
| Net Interest Margin | 2.94% | 3.25% | 3.59% | 3.93% | Beats 11% | 157 / 176 | | |
| Efficiency Ratio | 68.69% | 52.79% | 59.55% | 67.66% | Beats 23% | 137 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.80% | 0.30% | 0.64% | 1.32% | Beats 12% | 156 / 176 | | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.04% | 0.10% | Beats 45% | 98 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 13.35% | 11.15% | 12.72% | 14.15% | Beats 63% | 65 / 176 | | |
| Total Risk-Based Capital Ratio | 13.35% | 11.81% | 13.63% | 15.33% | Beats 46% | 95 / 176 | | |
| Equity / Assets | 13.66% | 9.16% | 10.35% | 11.80% | Beats 91% | 16 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 105.00% | 80.94% | 89.73% | 97.21% | 94th pctl | 10 / 176 | | |
| Loans / Assets | 76.49% | 69.25% | 75.12% | 80.82% | 55th pctl | 79 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |