BlastPoint's Banking Scorecard
Centreville Bank
Designations: ✓ Community bank
West Warwick, RI
23 branches across RI · CT
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
- - Margin Compression: Bottom 32.1% in tier
- - Delinquency Rate 1.23% above tier average
- - Nonperforming Asset Ratio 0.95% above tier average
- - Net Interest Margin 0.76% below tier average
- - Efficiency Ratio 8.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.1B
+8.3% YoY
+0.8% QoQ
|
+$233.6M |
$2.8B
-0.1% YoY
|
$48.0B
+3.2% YoY
|
$6.2B
+9.0% YoY
|
71% |
| Total Loans ? |
$2.3B
+6.6% YoY
+1.0% QoQ
|
+$345.4M |
$2.0B
+0.6% YoY
|
$30.8B
+3.6% YoY
|
$3.2B
+10.7% YoY
|
73% |
| Total Deposits ? |
$2.3B
+9.4% YoY
+2.4% QoQ
|
-$5.2M |
$2.3B
-0.3% YoY
|
$39.4B
+3.1% YoY
|
$4.8B
+8.0% YoY
|
67% |
| Return on Assets ? |
0.86%
-10.5% YoY
-15.1% QoQ
|
-0.51% |
1.37%
+19.6% YoY
|
0.68%
-17.0% YoY
|
1.24%
+13.1% YoY
|
24% |
| Net Interest Margin ? |
3.06%
+5.8% YoY
+2.2% QoQ
|
-0.76% |
3.82%
+6.9% YoY
|
3.29%
+0.8% YoY
|
3.89%
+5.7% YoY
|
20% |
| Efficiency Ratio ? |
69.15%
-3.0% YoY
-0.0% QoQ
|
+8.10% |
61.05%
-4.6% YoY
|
70.02%
-1.7% YoY
|
66.84%
-3.8% YoY
|
24% |
| Delinquency Rate ? |
2.12%
+161.1% YoY
-11.4% QoQ
|
+1.23% |
0.89%
+14.1% YoY
|
1.32%
+48.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.6% in tier |
| Loan-to-Deposit Ratio ? |
98.80%
-2.6% YoY
-1.4% QoQ
|
+14.59% |
84.20%
+0.3% YoY
|
96.02%
+0.4% YoY
|
76.69%
+0.9% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
11.05%
-9.8% YoY
-1.8% QoQ
|
-10.23% |
21.28%
-2.5% YoY
|
13.45%
-5.6% YoY
|
22.01%
-1.1% YoY
|
Bottom 14.0% in tier |
| Nonperforming Asset Ratio ? |
1.62%
+151.4% YoY
-11.3% QoQ
|
+0.95% |
0.67%
+15.6% YoY
|
1.03%
+53.4% YoY
|
0.66%
+19.3% YoY
|
Bottom 9.6% in tier |
| Tier 1 Capital Ratio ? |
13.07%
-2.0% YoY
-0.8% QoQ
|
-2.09% |
15.17%
+2.0% YoY
|
12.63%
-1.2% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.06%
-11.6% YoY
-77.2% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.18%
-25.2% YoY
|
0.32%
+4.0% YoY
|
15% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.