Centreville Bank
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Data as of · sourced from FFIEC call reports. How we update
Centreville Bank is an FDIC-insured savings bank headquartered in West Warwick, RI, established in 1888 (FDIC certificate 17764), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.15B, up 8.9% from Q2 2025, the 3rd largest of 5 banks headquartered in Rhode Island. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.35% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17764
- Headquarters
- West Warwick, RI
- Established
- 1888
- Total assets, Q2 2026
- $3.15B
- Assets vs Q2 2025
- +8.9%
- Tier 1 leverage ratio, Q2 2026
- 13.35%
- Domestic offices
- 22 FDIC institution directory, current count
- Routing number
- 011500913
- Latest call report
- Q2 2026, FFIEC 041 · Centreville Bank call report
- Holding company
- CENTREVILLE, MHC
- Asset rank in state
- 3rd of 5 in Rhode Island
Problem loans are rising at Centreville Bank. It reported $3.2 billion in assets at June 30, 2026, up 8.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.80% of loans from 0.71% a year earlier. It holds about a fifth of its deposits (18%) above the FDIC insurance limit, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). On the other hand, it carries problem assets equal to 10.9% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $13 million on paper in the quarter, out of $18 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. The non-owner-occupied commercial real estate book ($634 million) is worsening: 3.48% of it is past due or on nonaccrual, up from 1.77% a year earlier. Its margin is thin by comparison: it keeps 3.16 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Centreville Bank reported a return on assets of 1.74%, a nonperforming-loan ratio of 1.80% and a Texas ratio of 10.88%. The figures come from its call report filed with the FFIEC.
Of the 5 banks headquartered in Rhode Island, Centreville Bank is the 3rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.3% to $3.15B, loans rose 3.6% and deposits fell 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 26.3%. The FDIC Summary of Deposits lists 22 offices for it, in 21 cities across 2 states; its West Warwick office books 42% of its branch deposits. On its Q2 2026 call report, Centreville Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1218 Main St, West Warwick, RI 02893
- County
- Kent
- Metro Area
- Providence-Warwick, RI-MA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1888
- Domestic offices
- 22 FDIC institution directory, current count
- Employees (FTE)
- 291
- Domestic deposits
- $2.30B
- Allowance for credit losses
- $17.5M
- Net charge-offs (YTD)
- $1.0M
- Average total assets
- $3.09B
- Average total loans
- $2.36B
- Average interest-bearing deposits
- $2.14B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 24, 1957
- FDIC Cert
- 17764
- Fed RSSD
- 876700
- Website
- http://www.centrevillebank.com →
- Parent Holding Company
- CENTREVILLE, MHC (RSSD 6030120)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Centreville Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Centreville Bank's total assets moved between a low of $2.44B (Q3 2023) and a high of $3.15B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.15B total assets against $2.89B; $2.72B total liabilities against $2.50B.
$2.39B net loans and leases against $2.20B; $2.30B total deposits against $2.14B.
$505.0M securities against $453.5M; $54.4M cash and balances due against $53.1M.
$39.5M total interest income against $37.6M; $16.5M total interest expense against $17.1M.
$23.0M net interest income against $20.5M.
$2.7M total noninterest income against $2.1M; $17.2M total noninterest expense against $15.0M.
$3.1M provision for credit losses against $1.7M.
$13.4M net income against $5.6M.
1.74% return on assets against 0.77%; 3.16% net interest margin against 3.01%.
13.35% tier 1 leverage ratio against 12.99%.
Inside the full Centreville Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Centreville Bank rankings
Its closest position to the top of a national ranking is 402 of 4,196, for total assets; its furthest is 859 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.01% (Q4 2024) to 2.09% (Q3 2024) and its net interest margin ran from 2.55% (Q3 2024) to 3.16% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.35% | 1.74% | 1.80% | 10.88% | 3.16% |
| Q1 2026 | 13.07% | 0.85% | 2.11% | 12.83% | 3.02% |
| Q4 2025 | 13.18% | 0.80% | 2.38% | 14.57% | 3.02% |
| Q3 2025 | 13.16% | 1.50% | 1.66% | 10.10% | 2.94% |
| Q2 2025 | 12.99% | 0.77% | 0.71% | 4.50% | 3.01% |
| Q1 2025 | 13.34% | 0.94% | 0.81% | 4.96% | 2.82% |
| Q4 2024 | 13.31% | -0.01% | 0.72% | 4.56% | 2.74% |
| Q3 2024 | 13.52% | 2.09% | 0.87% | 5.26% | 2.55% |
Swipe the table sideways to see every column.
Branch Network
View all 22 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Centreville Bank (main office) | West Warwick , RI | 02893 | $954.7M |
| Coventry Branch | Coventry , RI | 02816 | $248.8M |
| Putnam Branch | Putnam , CT | 06260 | $195.6M |
| East Greenwich Branch | East Greenwich , RI | 02818 | $143.5M |
| West Greenwich Branch | West Greenwich , RI | 02817 | $102.6M |
| Cranston Branch | Cranston , RI | 02921 | $95.0M |
| Danielson Branch | Danielson , CT | 06239 | $60.4M |
| Plainfield Branch | Plainfield , CT | 06374 | $58.8M |
| Pomfret Branch | Pomfret Center , CT | 06259 | $58.8M |
| Griswold Branch | Griswold , CT | 06351 | $55.2M |
| Narragansett Branch | Narragansett , RI | 02882 | $55.0M |
| North Kingstown Branch | North Kingstown , RI | 02852 | $49.7M |
| Warwick Branch | Warwick , RI | 02886 | $43.7M |
| Rolfe Square Branch | Cranston , RI | 02910 | $35.6M |
| Newport - Wellington Plaza Branch | Newport , RI | 02840 | $32.8M |
| Norwich Branch | Norwich , CT | 06360 | $29.3M |
| Branch 22 | Gales Ferry , CT | 06335 | $26.9M |
| Centreville Bank- Smithfield Branch | Smithfield , RI | 02828 | $24.1M |
| Centreville Bank - Warren Branch | Warren , RI | 02885 | $9.7M |
| Centreville Bank-Pawtucket Branch | Pawtucket , RI | 02860 | $8.3M |
| Centreville Bank - Middletown Branch | Middletown , RI | 02842 | $4.8M |
| Centreville Bank-Olneyville Branch | Providence , RI | 02909 | $3.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2020 | Structure Change | Acquired Putnam Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1994 | Structure Change | Acquired Centreville National Bank of Warwick the Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 4.0% of deposits in RI, rank 7 of 17 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 757 applications, 576 loans originated, $244.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $380K approved, $380K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Centreville Bank
What are Centreville Bank's total assets?
As of the Q2 2026 filing, Centreville Bank reported total assets of $3.15 billion in its FFIEC call report.
Where is Centreville Bank headquartered?
It is headquartered in West Warwick, RI, United States.
When was Centreville Bank founded?
It was established in 1888, per the FDIC institution directory.
Is Centreville Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #17764). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Centreville Bank?
Centreville Bank's primary federal regulator is the FDIC.
How many branches does Centreville Bank operate?
It operates 22 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Centreville Bank's Texas Ratio?
Its Texas Ratio is 10.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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