Total Assets
$3.0B
Total balance-sheet footings
FDIC Cert #17764 · West Warwick, Rhode Island · Est. 1888
Centreville Bank - FDIC Bank Health Profile
A community-scale look at Centreville Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.0B
- Total assets
- B
- Health grade · Good
- 1.01%
- Return on assets
- 13.2%
- Tier 1 capital
Data updated July 2026
The verdict
Centreville Bank earns a PlainBankData health grade of B (79/100), with well-capitalized at 13.18% Tier 1, profitable at 1.01% ROA, 69% efficiency ratio.
- #419
- largest of 4,313 FDIC banks by assets
- 90th
- percentile by asset size, nationally
- 13.18%
- Tier 1 ratio - above the 10% well-capitalized line
- 44th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Centreville Bank's 79/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Centreville Bank's composite health score
Tier 1 Capital Ratio (13.18%) 35/40
Return on Assets (ROA) (1.01%) 20/25
Texas Ratio (12.85%) 16/20
Efficiency Ratio (69.16%) 8/15
79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.3B
Customer-funded liabilities
Net Loans
$2.3B
Outstanding loan book
Net Income
$29M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Centreville Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Centreville Bank's score of 79/100 falls in the highlighted band.
Centreville Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Centreville Bank's $3.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.18% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.18%
Texas Ratio
12.85%
Equity Capital
$411M
Profitability metrics
Return on Assets (ROA)
44th percentile nationally
1.01%
Return on Equity (ROE)
7.46%
Efficiency Ratio
69.16%
What the numbers say about Centreville Bank
Centreville Bank is an FDIC-insured institution (Certificate #17764) headquartered in West Warwick, Rhode Island, established in 1888. It holds $3.0B in total assets - 419th of 4,313 FDIC-insured banks, $2.3B in customer deposits, and $2.3B in net loans. On safety, its Tier 1 capital ratio of 13.18% is above the 10% well-capitalized threshold, and its Texas Ratio of 12.85% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (79/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Centreville Bank's asset base places it among the largest FDIC-insured institutions in the country, 419th of 4,313 nationally, and 3rd of 6 banks headquartered in Rhode Island. Only The Washington Trust Company, of West… ($6.6B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$150M
Interest Income
$8M
Non-Interest Income
$62M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Centreville Bank reports a Texas Ratio of 12.85% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
12.85% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Rhode Island by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Centreville Bank (FDIC Cert #17764) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Rhode Island
All Rhode Island banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Citizens Bank, National AssociationProvidence | $225.9B | B | 0.87% |
| The Washington Trust Company, of WesterlyWesterly | $6.6B | B | 0.80% |
| BankNewportMiddletown | $3.0B | B | 0.58% |
| Shoreham BankWarwick | $481M | B | 0.83% |
| Independence BankEast Greenwich | $14M | C | -5.49% |
Frequently asked questions
What is Centreville Bank's health grade?▼
Centreville Bank receives a health grade of B (79/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Centreville Bank?▼
Centreville Bank holds $3.0B in total assets and $2.3B in deposits, ranking 419th of 4,313 FDIC-insured banks by asset size. It is headquartered in West Warwick, Rhode Island.
Is my money safe at Centreville Bank?▼
Yes, deposits at Centreville Bank (Certificate #17764) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Centreville Bank's Tier 1 Capital Ratio?▼
Centreville Bank has a Tier 1 Capital Ratio of 13.18%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Centreville Bank?▼
Centreville Bank has a Texas Ratio of 12.85%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Centreville Bank?▼
Centreville Bank has an Efficiency Ratio of 69.16%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Centreville Bank's profile as a depositor or analyst.
- Centreville Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Centreville Bank against other Rhode Island banks before moving funds. Rhode Island banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.