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

Deposit mix

NIM

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

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%.

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

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.87%	1.09%	1.01%	0.86%	1.30%¹	+43 bps
Return on Equity	6.46%	8.03%	7.46%	6.30%	9.50%	+305 bps
Net Interest Margin	2.77%	2.75%	2.76%	2.89%	2.94%	+16 bps
Efficiency Ratio	68.86%	68.70%	69.16%	69.15%	67.46%	-140 bps
Non-Interest Burden	1.80%	1.78%	1.81%	1.93%	1.89%	+10 bps
Growth
Asset Growth (YoY)	6.25%	5.29%	7.65%	8.32%	8.94%	+269 bps
Loan Growth (YoY)	6.02%	6.27%	5.33%	6.45%	8.59%	+257 bps
Deposit Growth (YoY)	7.36%	8.62%	7.47%	9.42%	7.23%	-13 bps
Asset Quality
Nonperforming Loans / Loans	0.71%	1.66%	2.38%	2.11%	1.80%	+109 bps
Net Charge-Offs / Loans	0.09%	0.08%	0.31%	0.08%	0.08%	0 bps
Allowance / Loans	0.83%	0.81%	0.65%	0.64%	0.73%	-10 bps
Allowance Coverage of NPLs	1.2x	0.5x	0.3x	0.3x	0.4x	-0.8x
Capital
Tier 1 Leverage Ratio	13.42%	13.57%	13.18%	13.07%	13.35%	-6 bps
Total Risk-Based Capital	13.42%	13.57%	13.18%	13.07%	13.35%	-6 bps
Equity / Assets	13.46%	13.78%	13.59%	13.66%	13.66%	+20 bps
Liquidity & Funding
Loans / Deposits	103.69%	100.98%	100.84%	99.44%	105.00%	+131 bps
Liquid Assets / Assets	1.46%	1.49%	1.32%	1.78%	1.35%	-11 bps
CRE / Total Capital	n/a	316%	324%	319%	n/a	n/a