Centreville Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.80 percentage points higher than in Q1 2026, at 40.49%. Centreville Bank has the highest return on assets of the 5 banks headquartered in Rhode Island, 1.74% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Centreville Bank sits 0.46 points higher, at 1.74% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.35% |
| Equity capital to assets | 13.66% |
| Tangible equity to tangible assets | 12.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.79% |
| Non-performing assets ratio | 1.38% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 10.88% |
| Allowance for credit losses to loans | 0.73% |
| Reserve coverage of non-performing loans | 40.49% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.74% |
| Return on equity | 12.67% |
| Net interest margin | 3.16% |
| Efficiency ratio | 65.50% |
| Yield on earning assets | 5.42% |
| Cost of funds | 2.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.00% |
| Core deposits to total deposits | 78.57% |
| Brokered deposits to total deposits | 12.17% |
| Deposits to assets | 72.84% |
| Securities to assets | 16.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.07% | -0.53% | 2.91% | 0.39% | 0.05% |
| Q4 2023 | 13.92% | 1.90% | 2.80% | 0.20% | 0.09% |
| Q1 2024 | 13.55% | 1.17% | 2.63% | 0.21% | 0.13% |
| Q2 2024 | 13.10% | 0.34% | 2.58% | 0.76% | 0.14% |
| Q3 2024 | 13.52% | 2.09% | 2.55% | 0.87% | 0.13% |
| Q4 2024 | 13.31% | -0.01% | 2.74% | 0.72% | 0.14% |
| Q1 2025 | 13.34% | 0.94% | 2.82% | 0.81% | 0.10% |
| Q2 2025 | 12.99% | 0.77% | 3.01% | 0.71% | 0.08% |
| Q3 2025 | 13.16% | 1.50% | 2.94% | 1.66% | 0.05% |
| Q4 2025 | 13.18% | 0.80% | 3.02% | 2.37% | 1.01% |
| Q1 2026 | 13.07% | 0.85% | 3.02% | 2.10% | 0.08% |
| Q2 2026 | 13.35% | 1.74% | 3.16% | 1.79% | 0.09% |
Centreville Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Centreville Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)