Centreville Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.88 percentage points lower than in Q1 2026, at 257.11%. On loan-to-deposit ratio, Centreville Bank ranks 2nd highest among the 5 banks headquartered in Rhode Island, at 105.00% (Q2 2026). Centreville Bank reported 105.00% on loan-to-deposit ratio for Q2 2026, 16.80 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.41B |
| Net loans and leases | $2.39B |
| Loans held for sale | $848K |
| Loans to total assets | 76.49% |
| Loan-to-deposit ratio | 105.00% |
| Net loans to equity capital | 5.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.63% |
| Multifamily (5+ residential) | 12.23% |
| Commercial and industrial | 13.93% |
| Consumer | 2.38% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 257.11% |
| Construction concentration (Tier 1 capital + allowance) | 38.13% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.98% |
| Interest income on loans | $35.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.83B | $1.80B | 40.90% | 8.72% | 1.73% |
| Q4 2023 | $1.93B | $1.85B | 38.12% | 9.29% | 1.85% |
| Q1 2024 | $1.99B | $1.91B | 37.51% | 9.05% | 1.80% |
| Q2 2024 | $2.09B | $1.99B | 36.13% | 9.96% | 1.70% |
| Q3 2024 | $2.12B | $2.05B | 36.50% | 10.09% | 1.73% |
| Q4 2024 | $2.19B | $2.13B | 38.52% | 11.19% | 1.59% |
| Q1 2025 | $2.19B | $2.14B | 38.00% | 10.67% | 1.62% |
| Q2 2025 | $2.22B | $2.14B | 37.20% | 10.64% | 1.58% |
| Q3 2025 | $2.25B | $2.23B | 36.34% | 11.32% | 1.56% |
| Q4 2025 | $2.30B | $2.28B | 34.80% | 11.90% | 2.65% |
| Q1 2026 | $2.33B | $2.34B | 35.01% | 12.32% | 2.55% |
| Q2 2026 | $2.41B | $2.30B | 33.63% | 13.93% | 2.38% |
Centreville Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Centreville Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Centreville Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17764) · FFIEC NIC profile (RSSD 876700)