BlastPoint's Banking Scorecard
Centreville Bank
Community
Specialty: Commercial
RI
FDIC cert 17764
West Warwick, RI
1484
banks in Community tier nationally
2 in RI
View Community leaderboard (RI) →
Centreville Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.77% above tier
- - Nonperforming Asset Ratio 1.33% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+7.7% YoY
+3.3% QoQ
|
+$1.6B |
$1.4B
+2.0% YoY
|
$39.8B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$2.3B
+5.5% YoY
+2.5% QoQ
|
+$1.3B |
$975.5M
+2.4% YoY
|
$25.4B
+2.6% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$2.3B
+7.5% YoY
+2.5% QoQ
|
+$1.1B |
$1.2B
+1.7% YoY
|
$32.8B
+4.6% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
1.01%
+11.9% YoY
-7.0% QoQ
|
-0.15% |
1.16%
+17.2% YoY
|
-0.23%
-142.5% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
2.99%
+12.0% YoY
+0.4% QoQ
|
-0.67% |
3.66%
+9.1% YoY
|
3.51%
-0.9% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
69.16%
-6.5% YoY
+0.7% QoQ
|
+6.53% |
62.63%
-5.3% YoY
|
68.93%
-10.6% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
2.39%
+229.6% YoY
+43.0% QoQ
|
+1.77% |
0.63%
+18.3% YoY
|
1.19%
+36.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
100.18%
-1.9% YoY
+0.0% QoQ
|
+17.12% |
83.06%
+0.3% YoY
|
94.86%
-2.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.25%
-6.3% YoY
-3.0% QoQ
|
-9.79% |
21.05%
-0.9% YoY
|
13.51%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
1.83%
+215.1% YoY
+41.4% QoQ
|
+1.33% |
0.50%
+20.3% YoY
|
0.78%
+39.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.47%
+2.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.27%
+0.9% YoY
+31.4% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.90%
-13.4% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Community
Why this stands out
Current:
2.39%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
1.83%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
88
88th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Efficiency Ratio
Current: 69.16% · Tier avg: 62.63%
20
20th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
18
18th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.25% · Tier avg: 21.05%
13
13th pctile
Loan-to-Deposit Ratio
Current: 100.18% · Tier avg: 83.06%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.83% · Tier avg: 0.50%
7
7th pctile
Delinquency Rate
Current: 2.39% · Tier avg: 0.63%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 2.39% · Tier avg: 0.63%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.83% · Tier avg: 0.50%
13
13th pctile
Loan-to-Deposit Ratio
Current: 100.18% · Tier avg: 83.06%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.25% · Tier avg: 21.05%
18
18th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
20
20th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
29
29th pctile
Efficiency Ratio
Current: 69.16% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
88
88th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
92
92th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M