TellerScore

Centreville Bank (FDIC certificate #17764) is based in West Warwick, Rhode Island. Its Q2 2026 call report shows $3.2B in total assets and $2.3B in deposits and 23 offices across 2 states.

Centreville Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 5 banks headquartered in Rhode Island, it ranks 1st. Capital cushion contributes the most (84/100, 13.35%); loan quality contributes the least (40/100, 1.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Tier 1 leverage ratio: 13.35%
Loan quality40/100
Noncurrent loans ÷ total loans: 1.80%
Earnings72/100
Return on assets (annualized): 1.30%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 104.2% · 17.6% uninsured
Problem-loan coverage80/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.76%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (71 → 66), mostly because the loan quality component weakened by 36 points.

TellerScore
586674Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202474
Q4 202473
Q1 202572
Q2 202571
Q3 202565
Q4 202558
Q1 202659
Q2 202666
Tier 1 leverage ratio
5.00%9.26%13.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.10%
Q3 202413.52%
Q4 202413.31%
Q1 202513.34%
Q2 202512.99%
Q3 202513.16%
Q4 202513.18%
Q1 202613.07%
Q2 202613.35%
Noncurrent loans
0.71%1.54%2.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.76%
Q3 20240.87%
Q4 20240.72%
Q1 20250.81%
Q2 20250.71%
Q3 20251.66%
Q4 20252.38%
Q1 20262.11%
Q2 20261.80%
Return on assets
0.75%1.02%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20241.22%
Q4 20240.90%
Q1 20250.96%
Q2 20250.87%
Q3 20251.09%
Q4 20251.01%
Q1 20260.86%
Q2 20261.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$3.2B13.35%1.80%1.30%104.2%
Q1 202659$3.1B13.07%2.11%0.86%98.8%
Q4 202558$3.0B13.18%2.38%1.01%100.2%
Q3 202565$2.9B13.16%1.66%1.09%100.2%
Q2 202571$2.9B12.99%0.71%0.87%102.8%
Q1 202572$2.8B13.34%0.81%0.96%101.4%
Q4 202473$2.8B13.31%0.72%0.90%102.1%
Q3 202474$2.8B13.52%0.87%1.22%102.5%
Q2 202470$2.7B13.10%0.76%0.75%104.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.35%
87th
Total risk-based capital0.00%
13th
Problem loans1.80%
11th
Net charge-offs0.09%
33rd
Return on assets1.30%
54th
Net interest margin3.11%
20th
Efficiency ratio67.5%
27th
Loans to deposits104.2%
8th
Uninsured deposits17.6%
87th
Loan-loss reserves0.73%
11th
Texas ratio9.8%
18th

Similar-size banks in Rhode Island

InstitutionScoreAssetsCapitalProblem loansCompare
BankNewportBank Middletown, RI58 out of 100, Moderate$3.1B10.6%0.95%vs
The Washington Trust Company, of WesterlyBank Westerly, RI58 out of 100, Moderate$6.6B8.9%0.78%vs

Deposit insurance

Is my money safe at Centreville Bank?

Yes. Centreville Bank is an FDIC-insured institution (FDIC certificate #17764). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.6% of deposits ($404.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.35%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

23 locations

Branches

Centreville Bank lists 23 offices in 21 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Centreville Bank
Former names
Centreville Savings Bank
Type
SI
FDIC certificate #
17764
RSSD ID
876700
Primary regulator
FDIC
Holding company
Centreville Mhc
Established
January 1, 1888
Headquarters
1218 Main St, West Warwick, RI 02893
Employees
291

Quick answers

Centreville Bank: common questions

Is Centreville Bank FDIC insured?

Yes. Centreville Bank is an FDIC-insured institution (FDIC certificate #17764). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Centreville Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Centreville Bank ever failed?

There is no failure record for FDIC certificate #17764 in the FDIC failed bank list.

How many branches does Centreville Bank have?

23 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near West Warwick

InstitutionScoreAssetsCapitalProblem loansCompare
Natco Employees Federal Credit UnionCredit union West Warwick, RI93 out of 100, Very strong$208K17.4%0.00%vs
Attleboro M E Federal Credit UnionCredit union Attleboro, MA90 out of 100, Very strong$24.6M13.7%0.13%vs
Charter Oak Federal Credit UnionCredit union Waterford, CT85 out of 100, Very strong$1.7B12.5%0.50%vs
Chelsea Groton BankBank Groton, CT82 out of 100, Strong$1.8B16.7%0.48%vs
Cumberland Municipal Employees Federal Credit UnionCredit union Cumberland, RI78 out of 100, Strong$9.2M19.3%0.95%vs
Somerset Federal Credit UnionCredit union Somerset, MA78 out of 100, Strong$263.3M12.5%0.19%vs