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Centreville Bank
West Warwick, RI·FDIC Cert #17764·Charter: STATE·Est. 18880101.0·HC: CENTREVILLE MHC
Total Assets
$3.0B
Q4 2025
Return on Assets
1.01%
-0.08%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
69.16%
Peer avg: 58.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
48
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.01%-0.08
ROE
7.46%-0.57
Efficiency
69.16%+0.47
Equity/Assets
0.00%+0.00
NPL Ratio
2.39%+0.72
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
100.18%+0.02
Charge-offs
0.32%+0.24
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 0.8 | 1.2 | 0.9 | 1.0 | 0.9 | 1.1 | 1.0 |
| ROE | 8.6 | 5.6 | 9.0 | 6.7 | 7.1 | 6.5 | 8.0 | 7.5 |
| Efficiency | 74.8 | 75.7 | 74.8 | 74.0 | 71.3 | 68.9 | 68.7 | 69.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.8 | 0.9 | 0.7 | 0.8 | 0.7 | 1.7 | 2.4 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.3 |
| Loan/Deposit | 103.8 | 104.2 | 102.5 | 102.1 | 101.4 | 102.8 | 100.2 | 100.2 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.3B
Total Loans$2.3B
Total Equity$411.4M
Profitability
ROA1.01%
ROE7.46%
Efficiency Ratio69.16%
Net Income$29.3M
Risk & Asset Quality
NPL Ratio2.39%
Charge-off Rate0.32%
Loan/Deposit100.18%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans