West Warwick, RI · Cert 17764 · Centreville MHC
SI · FDIC · 22 branches
Q2 2026
Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 2.9% share · #9 of 22 inst. · $1.8B of $61.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22%1 | 0.90% | 0.96% | 0.87% | 1.09% | 1.01% | 0.86% | 1.30%1 | +43 bps | |
| Return on Equity | 9.01% | 6.70% | 7.14% | 6.46% | 8.03% | 7.46% | 6.30% | 9.50% | +305 bps | |
| Net Interest Margin | 2.39% | 2.42% | 2.70% | 2.77% | 2.75% | 2.76% | 2.89% | 2.94% | +16 bps | |
| Efficiency Ratio | 74.79% | 74.00% | 71.32% | 68.86% | 68.70% | 69.16% | 69.15% | 67.46% | -140 bps | |
| Non-Interest Burden | 1.70% | 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 / Loans | 0.87% | 0.72% | 0.81% | 0.71% | 1.66% | 2.38% | 2.11% | 1.80% | +109 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.13% | 0.11% | 0.09% | 0.08% | 0.31% | 0.08% | 0.08% | 0 bps | |
| Allowance / Loans | 0.69% | 0.77% | 0.78% | 0.83% | 0.81% | 0.65% | 0.64% | 0.73% | -10 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.1x | 1.0x | 1.2x | 0.5x | 0.3x | 0.3x | 0.4x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.52% | 13.31% | 13.34% | 13.42% | 13.57% | 13.18% | 13.07% | 13.35% | -6 bps | |
| Total Risk-Based Capital | 13.52% | 13.31% | 13.34% | 13.42% | 13.57% | 13.18% | 13.07% | 13.35% | -6 bps | |
| Equity / Assets | 13.58% | 13.31% | 13.58% | 13.46% | 13.78% | 13.59% | 13.66% | 13.66% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.21% | 102.89% | 102.21% | 103.69% | 100.98% | 100.84% | 99.44% | 105.00% | +131 bps | |
| Liquid Assets / Assets | 2.95% | 1.52% | 1.36% | 1.46% | 1.49% | 1.32% | 1.78% | 1.35% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 316% | 324% | 319% | n/a | n/a | |