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Bank Rhode Island

Providence, RI · Cert 34147

FDIC · 22 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, 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 in a single state (n=293 to 294). 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

33

Q2 2024Q2 2025peer median (50)

Asset Quality

44

Q2 2024Q2 2025peer median (50)

Profitability

40

Q2 2024Q2 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

61

Q2 2024Q2 2025peer 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

Bank Rhode Island

Providence, RI · Cert 34147

FDIC · 22 branches

Q2 2025

$3.6BAssets
$2.8BLoans
$2.6BDeposits
$379.0MEquity
Loan mix
66%RE $1.4B34%C&I $0.7B0%Consumer $0.0BQ2 2024Q2 2025
Deposit mix
73%Interest-bearing $1.9B27%Noninterest $0.7BQ2 2024Q2 2025

NIM

4.47%Q2 ’234.93%Q2 ’244.97%Q2 ’25-7%+13%

Non-interest income vs. expense

1.81%Q2 ’231.86%Q2 ’241.89%Q2 ’25+4%+3%

Market Position · Providence-Warwick, RI-MA · 2025 SOD (annual) · 4.3% share · #5 of 25 inst. · $2.6B of $60.9B

6.2% Providence
9.4% Kent
4.0% Washington
1.2% Newport

Executive Summary

  • Earnings: ROA of 0.98%, up 8 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.16% of loans (-49 bps YoY), with net charge-offs at 0.48%.
  • Capital: tier 1 leverage ratio of 9.14%, up 25 bps from a year ago.
  • Funding: loans stand at 108.79% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

0.98%+8 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+33 bps YoY

Efficiency Ratio (YTD, annualized)

59.85%-546 bps YoY

Tier 1 Leverage Ratio

9.14%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.90%0.89%0.87%0.79%0.98%+8 bps
Return on Equity8.54%8.40%8.23%7.44%9.29%+75 bps
Net Interest Margin2.63%2.68%2.70%2.92%2.96%+33 bps
Efficiency Ratio65.31%64.42%63.57%61.82%59.85%-546 bps
Non-Interest Burden1.57%1.58%1.57%1.65%1.61%+4 bps
Growth
Asset Growth (YoY)4.18%6.28%6.50%1.96%5.95%+177 bps
Loan Growth (YoY)2.98%4.26%2.43%2.85%1.55%-143 bps
Deposit Growth (YoY)-1.09%-2.26%1.09%-2.37%3.37%+446 bps
Asset Quality
Nonperforming Loans / Loans0.65%0.60%0.55%0.09%0.16%-49 bps
Net Charge-Offs / Loans0.09%0.07%0.06%0.97%0.48%+39 bps
Allowance / Loans1.09%1.10%1.14%0.94%0.87%-22 bps
Allowance Coverage of NPLs1.7x1.8x2.1x10.7x5.4x+3.7x
Capital
Tier 1 Leverage Ratio8.89%8.92%8.90%8.98%9.14%+25 bps
Total Risk-Based Capital11.64%11.63%11.75%11.78%11.89%+25 bps
Equity / Assets10.54%10.68%10.32%10.89%10.59%+5 bps
Liquidity & Funding
Loans / Deposits110.75%113.06%112.17%115.01%108.79%-195 bps
Liquid Assets / Assets2.44%2.89%5.96%2.29%4.81%+237 bps
CRE / Total Capitaln/an/an/an/an/an/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.

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

Bank Rhode Island

Providence, RI · Cert 34147 · Peer group: banks $1B-$10B in assets operating in a single state (n=293-294)

FDIC · 22 branches

Q2 2025

$3.6BAssets
$2.8BLoans
$2.6BDeposits
$379.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 76% of banks $1B-$10B in assets operating in a single state (rank 70 of 293).
  • Widest gap: net charge-offs / loans trails 89% of banks $1B-$10B in assets operating in a single state (rank 262 of 293).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.96%

Rank 158 of 294

Net Interest Margin

2.96%

Rank 195 of 294

Efficiency Ratio

59.85%

Rank 116 of 294

Equity / Assets

10.59%

Rank 112 of 294

Non-interest income vs. expense

$9.4M$64.6MINCOMEEXPENSE
Unfavorable gap of $55.2M · efficiency ratio beats 61% of banks $1B-$10B in assets operating in a single state
Bank 59.85%Peer median 64.1%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.96%0.71%1.01%1.33%Beats 46%158 / 294
Return on Equity9.09%7.12%10.17%13.39%Beats 40%176 / 294
Net Interest Margin2.96%2.80%3.21%3.64%Beats 34%195 / 294
Efficiency Ratio59.85%54.67%64.12%72.80%Beats 61%116 / 294
Asset Quality
Nonperforming Loans / Loans0.16%0.17%0.37%0.77%Beats 76%70 / 293
Net Charge-Offs / Loans0.26%0.00%0.02%0.08%Beats 11%262 / 293
Capital
Tier 1 Capital Ratio10.95%11.38%13.26%15.22%Beats 18%241 / 294
Total Risk-Based Capital Ratio11.89%12.19%14.15%16.19%Beats 20%234 / 294
Equity / Assets10.59%8.62%9.85%11.42%Beats 62%112 / 294
Liquidity & Funding
Loans / Deposits108.79%73.60%87.33%96.66%90th pctl28 / 294
Loans / Assets78.84%64.16%72.85%80.20%71st pctl86 / 293
Brokered Deposits / Depositsn/aNot reported for this institution