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Profitability · Rhode Island

US Banks with Highest Net Interest Margin (NIM) in Rhode Island

Ranked among banks headquartered in Rhode Island. Re-ranked 1-6 within the state from the same national ranking population.

#1 Net Interest Margin (NIM): SHOREHAM BANK — 4.27% . Net Interest Margin (NIM) measures the spread between interest earned on assets and interest paid on liabilities — the core unit economics of a commercial bank.

Ranked: 6 banks with reported data Showing: Top 6 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry Go deeper: What Is Net Interest Margin? A Bank Profitability Guide
# Bank HQ US Banks with … Total Assets
1 Shoreham Bank Warwick , RI 4.27% $522.0M
2 Citizens Bank, N.A. Providence , RI 3.18% $227.13B
3 Banknewport Middletown , RI 3.17% $3.07B
4 Bank Rhode Island Providence , RI 3.13% $3.58B
5 Centreville Bank West Warwick , RI 3.02% $3.05B
6 Washington Trust Company, of Westerly, the Westerly , RI 2.61% $6.46B

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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