Centreville Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.14 percentage points to 3.16%. On net interest margin, Centreville Bank is 2nd from the bottom among 5 Rhode Island banks, 3.16% (Q2 2026). Centreville Bank reported 3.16% on net interest margin for Q2 2026, 0.55 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 5.98% |
| Yield on securities | 3.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.46% |
| Cost of interest-bearing deposits | 2.68% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 2.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $35.2M |
| Total interest expense | $16.5M |
| Interest expense on deposits | $13.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.10% | 2.55% | 2.91% | 5.75% | 2.72% |
| Q4 2023 | 5.29% | 2.89% | 2.80% | 5.88% | 2.94% |
| Q1 2024 | 5.29% | 3.10% | 2.63% | 5.90% | 2.79% |
| Q2 2024 | 5.45% | 3.31% | 2.58% | 6.02% | 2.85% |
| Q3 2024 | 5.50% | 3.44% | 2.55% | 6.11% | 2.77% |
| Q4 2024 | 5.48% | 3.28% | 2.74% | 6.08% | 2.72% |
| Q1 2025 | 5.36% | 3.06% | 2.82% | 5.94% | 2.93% |
| Q2 2025 | 5.50% | 2.82% | 3.01% | 6.07% | 3.02% |
| Q3 2025 | 5.47% | 2.79% | 2.94% | 6.04% | 3.07% |
| Q4 2025 | 5.46% | 2.69% | 3.02% | 6.03% | 2.97% |
| Q1 2026 | 5.34% | 2.50% | 3.02% | 5.90% | 3.11% |
| Q2 2026 | 5.42% | 2.46% | 3.16% | 5.98% | 3.12% |
Centreville Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Centreville Bank, freeSource: Call Report Schedules RI and RC-K, 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)