# CENTREVILLE BANK
WEST WARWICK, RI · FDIC certificate 17764 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.15B | |
| Deposits | $2.30B | |
| Loans and leases | $2.41B | |
| Total equity | $430.6M | |
| Loans / deposits | 104.24% (p92 of band) | 87.10% |
| Liquid assets / assets | 17.74% (p36 of band) | |
| Uninsured deposits / deposits | 17.59% (p13 of band) | 30.76% |
| Brokered deposits | 8.86% | |
| Wholesale funding | 20.10% (p89 of band) | |
| FHLB advances / assets | 11.24% | |
| Tier 1 leverage | 13.35% (p87 of band) | 10.50% |
| Unrealized securities loss / equity | -49.62% (p3 of band) | -7.75% |
| AOCI / equity | -0.16% (p60 of band) | |
| ROA (annualized) | 1.30% (p54 of band) | 1.26% |
| Net interest margin | 3.11% (p20 of band) | 3.70% |
| Efficiency ratio | 67.46% (p74 of band) | |
| Noncurrent loans | 1.80% (p89 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p68 of band) | |
| Reserve coverage of noncurrent | 40.37% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 37.56% (p39 of band) | |
| Auto loans | $27,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 291 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | expense ratio p90 |  |
| 2013-09 | 1 |  | reserve under noncurrent, expense ratio p90 |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 | reserve under noncurrent | capital falling |
| 2014-09 | 1 |  | reserve under noncurrent |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | expense ratio p90 |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 1 |  | NIM <2.5% |
| 2016-06 | 3 | capital falling, NIM <2.5% |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | NIM <2.5% |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | expense ratio p90 |
| 2018-06 | 2 | expense ratio p90 |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 | securities losses >30% of equity | expense ratio p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | losing money, reserve under noncurrent |  |
| 2020-06 | 4 | capital falling |  |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 2 |  | losing money |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | losing money, expense ratio p90 |  |
| 2022-06 | 3 | capital falling | reserve under noncurrent, expense ratio p90 |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | reserve under noncurrent | losing money |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | reserve under noncurrent |
| 2023-09 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 5 | reserve under noncurrent |  |
| 2024-09 | 4 |  | capital falling |
| 2024-12 | 4 | brokered >10% | reserve under noncurrent |
| 2025-03 | 4 | reserve under noncurrent | brokered >10% |
| 2025-06 | 3 |  | reserve under noncurrent |
| 2025-09 | 4 | reserve under noncurrent |  |
| 2025-12 | 5 | noncurrent p90 |  |
| 2026-03 | 4 |  | loans exceed deposits |
| 2026-06 | 4 | loans exceed deposits | noncurrent p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-03 [Centreville Bank Stadium Celebrates One Year of World-Class Sports and Entertainment in Pawtucket, Rhode Island - Rhode Island FC](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQeHFqQzZRY0lMNXdMbzc0Y2R2R1M1a2FhbkdkZGJNblkwY29JdkdKNjJWZGJyQ3lkU3E3RHIxZDdwaS1kMVVRc3g0bEYxeDI5OEctMVMxOXY4bU9QS2stZVQtMTRENDRpZEVod05GVzVYUExZLTlJYmEtMGVSV2sydzlGV2MyVzJ3VUlwNWZTU3BRTktWZEpGNUdVNktpbnRwa0dFMk1fRTVZRDNGU3NoQktuRVN4aGlOQkVBSk9taC1HN2ptRnV1S3BKaW1BNk1NWUlMekNaMW1UMTIxY01r?oc=5) · Rhode Island FC
- 2026-08-27 [Legacy to play 2027 season in RI; White Stadium pushed to ’28 - Equalizer Soccer](https://news.google.com/rss/articles/CBMioAFBVV95cUxNcWYzRF9uVHFOMk11QVRwZlFOdWVZSFBKbF9SdVVUR1NZdGtxZUdNRGlyOUYxejktaDNTZXE2cGY0NE42YVJjQzlOOXFnVXFtekRhRGMzWmRWcGoyNFVlbUhvUFRmZ3RZOGFOQUVBVlNRUUc1aDRoRmJLang0S05KZ0thUjVOWTVib3Q2WXBudzJIX2Y1Y1NnbE1DQXhlV1Nv?oc=5) · Equalizer Soccer
- 2026-02-18 [Centreville Bank scores naming rights and benefits for Rhode Island FC’s new stadium - nixonpeabody.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNUVBJZTUzN1ptUjNiNHNoWGpMV2stQ1k4M1U5Vkt5MFZKSUZQNzJMUnRiMWlySnZvYVI4MjR5SXdwV01hVm9SdmNGb191empaUG9NeTdENUVSM0E1Rlk0TjBqRlctZzgxdk5Hem1PdnhneFRrOEZFeDUwTHhCUm1HcmsxczdxRzE2MEI1aVhkSEFiVThxT0d6X2lCVXlLNVEyYUIxUjRCV2dOR0YzMWsxSjN3SVQzUEo3QTlKaEZXMjBpcnlTc2hzaXBnbWRJbXlqVXA2UVp6TTc?oc=5) · nixonpeabody.com
- 2026-08-07 [Holiday lights event coming to Centreville Bank Stadium - WPRI.com](https://news.google.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?oc=5) · WPRI.com
- 2026-06-02 [Football Game with Harvard Moved to Pawtucket’s Centreville Bank Stadium; Season Tickets on Sale Now - Brown University Athletics](https://news.google.com/rss/articles/CBMi0AFBVV95cUxORFZjeS1FNFd6NW15TEJvd0FvYXdxSU1sbHEwYnhWVlR2UGJJSnc4WkR6MjBaTWJrM2ZwLWp0TzhSdkpkSU1DRG5vY3VUU2NXd3BBQjY3T2ZmNVdZMlNQTERXakx4TEVwMmJ2V1VqLVdxMHZMSUtTbTU1bWdTZ0RRT3pkeG5MSmIzak1Sa3RKa0xMT1VUSy1kekJSQXhPN0s5X3lrSXV4Y0xLZUVMMi1idm9mU2VHbzVVQ1BmT01HZW1pdmtJQklOQUtWXzBpVU4w?oc=5) · Brown University Athletics
- 2026-08-28 [Boston Legacy will stay in Rhode Island for second season amid White Stadium construction - WBUR](https://news.google.com/rss/articles/CBMijgFBVV95cUxOYTd6ek82X1YzYU5RQTdSdEJFYkpKOWQ0YlRKYlZIVnBxX054ZmxzQ05VVWJfUWgyVVJLejRfc1B1VVlJdGljc1Mwb3ZuOXMwQmlFYVhld21aLW11bThSN1h1a2hNbU5pYzMzUGxNV3VVekhYYTlRSHJJdDhzZFQ1UlRpRUQ4cjV5bDNHUGxR?oc=5) · WBUR
- 2026-04-03 [Revolution host Rhode Island FC in the 2026 Lamar Hunt U.S. Open Cup Round of 32 - revolutionsoccer.net](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNMVhhX3dWUzFsRUtET21xbHJaZkJwalUxazBiazhGV0dHVDFxNHE4YkU3Z2NhcWRBWGNLZjZsR0FlWlVqZlpXRVZLckhtSVd0czB4eUhzM0VtU0F1VWRaVVlTcVFlOWwySjN6WHlKdXUzT09XdmhHejBuQnJFVFBBSFdtelUyb28tdmRVWTFMOExURGpJWC1ueGhEVWhLTnFFQXFxZWctRkFWQVd0cUZJdTk2WVBoVW1H?oc=5) · revolutionsoccer.net
- 2026-08-26 [Concert Review: Island Rhodes Music Festival at Centreville Bank Stadium in Pawtucket, Rhode Island - Rock DNA Magazine](https://news.google.com/rss/articles/CBMigAFBVV95cUxPZkNIR1JPQW01bFBjSkV6V2VzQ1pJbnVJMENGa1dDaFhnU3NWbFJuQzVneThzRjZ0TEo5cjVpT0dkaUtzTkpSbWlRdU80NHpJUU1ieHFTM3pxWEtFVl9xdnA0YjYzeWNZQ1ZlSzdKQU1oZkRGSUU1a1dodURWRXdvUQ?oc=5) · Rock DNA Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17764 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "17764", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide