BlastPoint's Banking Scorecard
Centreville Bank
Designations: ✓ Community bank
West Warwick, RI
23 branches across RI · CT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 3 in RI.
- Deposits +7.2% year over year ($2.3B on the books).
- Delinquency rate 1.81%.
- Return on assets 1.30%.
- Efficiency ratio 67.46% vs a 59.73% peer average.
- Loan-to-deposit ratio 104.24% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Centreville Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 19.20% above tier average
- - ROA 0.09% below tier average
- - Net Interest Margin 0.76% below tier average
- - Efficiency Ratio 7.73% above tier average
- - Delinquency Rate 0.94% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+8.9% YoY
+3.3% QoQ
|
+$359.3M |
$2.8B
-0.6% YoY
|
$49.2B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
72% |
| Total Loans ? |
$2.4B
+8.7% YoY
+3.6% QoQ
|
+$430.6M |
$2.0B
-0.3% YoY
|
$31.5B
+5.4% YoY
|
$3.2B
+9.4% YoY
|
74% |
| Total Deposits ? |
$2.3B
+7.2% YoY
-1.9% QoQ
|
-$22.4M |
$2.3B
-0.5% YoY
|
$39.9B
+5.6% YoY
|
$4.9B
+7.3% YoY
|
66% |
| Return on Assets ? |
1.30%
+49.3% YoY
+51.0% QoQ
|
-0.09% |
1.39%
+17.0% YoY
|
0.89%
+5.4% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.11%
+4.6% YoY
+1.8% QoQ
|
-0.76% |
3.87%
+6.2% YoY
|
3.33%
+0.4% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
67.46%
-1.2% YoY
-2.5% QoQ
|
+7.73% |
59.73%
-12.6% YoY
|
67.51%
-2.4% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
1.81%
+153.4% YoY
-14.7% QoQ
|
+0.94% |
0.87%
+11.7% YoY
|
1.21%
+42.1% YoY
|
0.98%
+16.3% YoY
|
Bottom 11.0% in tier |
| Loan-to-Deposit Ratio ? |
104.24%
+1.4% YoY
+5.5% QoQ
|
+19.20% |
85.04%
-0.1% YoY
|
97.46%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 8.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.76%
-3.8% YoY
+6.4% QoQ
|
-9.51% |
21.27%
-1.5% YoY
|
14.19%
-0.4% YoY
|
21.98%
-0.6% YoY
|
16% |
| Nonperforming Asset Ratio ? |
1.39%
+147.4% YoY
-14.4% QoQ
|
+0.71% |
0.67%
+11.7% YoY
|
0.93%
+44.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.4% in tier |
| Tier 1 Capital Ratio ? |
13.35%
+2.8% YoY
+2.2% QoQ
|
-1.49% |
14.84%
-0.4% YoY
|
12.58%
-0.8% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.14%
+1.8% YoY
+132.6% QoQ
|
-0.38% |
0.53%
+2.5% YoY
|
0.43%
-12.1% YoY
|
0.66%
+5.2% YoY
|
18% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.8%
-0.5pp YoY +0.7pp QoQ |
-9.6pp | 21.4% | 14.2% | 22.2% | 15% |
| Brokered Deposits |
12.2%
+1.9pp YoY +1.0pp QoQ |
+2.7pp | 9.5% | 9.0% | 8.5% | 75% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.0%
+3.3pp YoY +1.6pp QoQ |
0.0pp | 14.0% | 10.0% | 12.5% | 64% |
| CRE |
52.9%
-4.0pp YoY -1.3pp QoQ |
+2.9pp | 50.0% | 42.3% | 41.4% | 60% |
| 1-4 Family |
30.5%
-0.1pp YoY -0.1pp QoQ |
+4.1pp | 26.4% | 39.9% | 31.3% | 67% |
| Consumer |
2.4%
+0.8pp YoY -0.2pp QoQ |
-2.3pp | 4.7% | 6.5% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 12.4% | 19.7% | n/a |
| Leverage Ratio |
13.4%
+0.4pp YoY +0.3pp QoQ |
+2.0pp | 11.3% | 10.6% | 12.6% | 87% |
| Total Capital Ratio | n/a | n/a | 16.7% | 13.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
291
+32 (+12.4%) YoY +8 (+2.8%) QoQ |
-23 | 313 | 3,737 | 482 | 64% |
| Assets per Employee ($) |
$10.8M
-3.0% YoY +0.5% QoQ |
+$352K | $10.5M | $9.9M | $8.8M | 71% |
| Branch Count |
22
+3 (+15.8%) YoY 0 QoQ |
+2 | 20 | 210 | 18 | 70% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.4% | 24% |
| Nonaccrual |
1.8%
+1.1pp YoY -0.3pp QoQ |
+1.0pp | 0.8% | 1.1% | 1.0% | 91% |
| Allowance Coverage |
0.40x
-65.3% YoY +32.0% QoQ |
-18.31x | 18.71x | 1.06x | 20.23x | 5% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.2% | 65% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.5%
+3.0pp YoY +3.2pp QoQ |
-3.1pp | 12.6% | 8.1% | 11.6% | 29% |
| Cost of Funds (YTD) |
2.3%
-0.3pp YoY 0.0pp QoQ |
+0.4pp | 1.9% | 2.3% | 1.7% | 78% |
| Net Income ($, YTD) |
$19.9M
+61.7% YoY — QoQ |
+$700K | $19.2M | $238.8M | $40.4M | 69% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.