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Centreville Bank
West Warwick, RI · FDIC Certificate #17764 · Chartered 01/0
Total assets
$3.15B
Total deposits
$2.30B
Total equity
$430.64M
Net loans
$2.39B
Branches (offices)
22
Net income (YTD)
$19.94M
Rank: #410 of 4,213 U.S. banks by assets · #3 of 5 in Rhode Island. Assets changed 8.9% and deposits 7.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 9.50% |
| Net interest margin (YTD) | 3.11% |
| Equity to assets | 13.66% |
| Tier 1 leverage ratio | 13.35% |
| Uninsured deposits (share of deposits) | 17.6% |
| Noncurrent loans (share of loans) | 1.80% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 104.2% |
| Real estate loans (share of loans) | 83.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.00B | 83.5% | |
| Commercial & industrial | $335.93M | 14.0% | |
| Consumer / individual | $57.43M | 2.4% | |
| Construction & development | $161.77M | 6.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.91B | $1.47B | -$10.44M | $323.53M |
| Jun 2023 | $2.30B | $1.70B | $5.13M | $336.32M |
| Jun 2024 | $2.72B | $1.99B | $9.90M | $358.24M |
| Jun 2025 | $2.89B | $2.14B | $12.33M | $389.47M |
| Jun 2026 | $3.15B | $2.30B | $19.94M | $430.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Rhode Island | $1.81B | 15 |
| Connecticut | $484.98M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.30B.
Similar-sized banks
Farmers Bank & Trust Company ($3.16B) · Citizens & Northern Bank ($3.14B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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