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
Unfavorable gap of $55.2M · efficiency ratio beats 61% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.71% | 1.01% | 1.33% | Beats 46% | 158 / 294 | |
| Return on Equity | 9.09% | 7.12% | 10.17% | 13.39% | Beats 40% | 176 / 294 | |
| Net Interest Margin | 2.96% | 2.80% | 3.21% | 3.64% | Beats 34% | 195 / 294 | |
| Efficiency Ratio | 59.85% | 54.67% | 64.12% | 72.80% | Beats 61% | 116 / 294 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.17% | 0.37% | 0.77% | Beats 76% | 70 / 293 | |
| Net Charge-Offs / Loans | 0.26% | 0.00% | 0.02% | 0.08% | Beats 11% | 262 / 293 | |
| Capital |
| Tier 1 Capital Ratio | 10.95% | 11.38% | 13.26% | 15.22% | Beats 18% | 241 / 294 | |
| Total Risk-Based Capital Ratio | 11.89% | 12.19% | 14.15% | 16.19% | Beats 20% | 234 / 294 | |
| Equity / Assets | 10.59% | 8.62% | 9.85% | 11.42% | Beats 62% | 112 / 294 | |
| Liquidity & Funding |
| Loans / Deposits | 108.79% | 73.60% | 87.33% | 96.66% | 90th pctl | 28 / 294 | |
| Loans / Assets | 78.84% | 64.16% | 72.85% | 80.20% | 71st pctl | 86 / 293 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |