# BANK RHODE ISLAND
PROVIDENCE, RI · FDIC certificate 34147 · asset band $1-10B · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $3.58B | |
| Deposits | $2.59B | |
| Loans and leases | $2.82B | |
| Total equity | $379.0M | |
| Loans / deposits | 107.85% (p94 of band) | 86.81% |
| Liquid assets / assets | 15.31% (p25 of band) | |
| Uninsured deposits / deposits | 28.33% (p44 of band) | 30.18% |
| Brokered deposits | 6.05% | |
| Wholesale funding | 21.77% (p89 of band) | |
| FHLB advances / assets | 11.00% | |
| Tier 1 leverage | 9.14% (p18 of band) | 10.28% |
| Unrealized securities loss / equity | -5.81% (p69 of band) | -10.98% |
| AOCI / equity | 1.52% (p57 of band) | |
| ROA (annualized) | 0.98% (p44 of band) | 1.04% |
| Net interest margin | 3.05% (p27 of band) | 3.46% |
| Efficiency ratio | 59.85% (p45 of band) | |
| Noncurrent loans | 0.16% (p23 of band) | 0.45% |
| Net charge-offs (annualized) | 0.39% (p91 of band) | |
| Reserve coverage of noncurrent | 537.38% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 15.43% (p14 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 300 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | reserve under noncurrent |
| 2012-03 | 4 | leverage <7%, capital falling, reserve under noncurrent | wholesale funding >15% |
| 2012-06 | 2 |  | leverage <7%, capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | loans exceed deposits |
| 2013-03 | 2 | loans exceed deposits |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 | wholesale funding >15% | reserve under noncurrent |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | reserve under noncurrent | loans exceed deposits |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 | loans exceed deposits | reserve under noncurrent, capital falling |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 3 | reserve under noncurrent | wholesale funding >15% |
| 2016-12 | 3 | wholesale funding >15% | reserve under noncurrent |
| 2017-03 | 1 |  | charge-offs p90, wholesale funding >15% |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | wholesale funding >15% |  |
| 2018-06 | 3 | reserve under noncurrent |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | reserve under noncurrent |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 | reserve under noncurrent | wholesale funding >15% |
| 2019-09 | 1 |  | reserve under noncurrent |
| 2019-12 | 0 |  | loans exceed deposits |
| 2020-03 | 3 | loans exceed deposits, wholesale funding >15%, losing money |  |
| 2020-06 | 2 | capital falling | loans exceed deposits, losing money |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | wholesale funding >15%, capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | assets shrinking |  |
| 2022-09 | 1 | deposits shrinking | assets shrinking |
| 2022-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2023-03 | 3 | wholesale funding >15% | deposits shrinking |
| 2023-06 | 3 | loans exceed deposits | capital falling |
| 2023-09 | 4 | liquid assets <10% |  |
| 2023-12 | 3 |  | liquid assets <10% |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 3 |  |  |

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

- 2026-02-26 [Beacon Bank rebrand now complete across all 4 merged institutions - Providence Business News](https://news.google.com/rss/articles/CBMiigFBVV95cUxNMThxOWpzSWN4NzJKeENoYmJWcWtvN1U0MHc4dGl1WjB2VUpVTmZoOXY5dm9aS3JsUHpNUU9tdE41ZXN6eEt0SEphQXQ4QVVKUjBkaVhhMGtYSFFYd2g1MkpnSl9JbEx3cFZvWGVYSjl2SFVjbllLX1Y4bVFsajYwTVp0c3dsQWhNSUHSAZIBQVVfeXFMTWVBVlJuS2U3QkhQZzBqU2tQRXB5X3ZKVDFnclEtWlFwWUdDNmxMSURfUFdSMTVvOFl6U2I4dlhzZks3LTFGVXJoQVp2ci1pQlZ5U2lJcjNCZVotLXpuT1dqQ0pfeVU1Zll6V1RaRzE4ZjdQTHJQR2ZpOWMxbnU0TVl0NWk4NVJKQzNxeE94NnVTYmc?oc=5) · Providence Business News
- 2025-12-23 [Business Beat: BankRI’s “Holiday Giving Tree” tops 7,000 Gifts for Kids across Rhode Island - RINewsToday](https://news.google.com/rss/articles/CBMisAFBVV95cUxQbTlnUE1GUWJ1ajVCUWFKbEE3bDF6ek13d0l4aWdWWkJpTEdxRHI5UDNCRi1ma0Z5WUNOUkVKVU9MY0ZMck5BSEhGbThYZkwtTlliV0FDeVR1eHctcXBqV2cycWdkV04zcTduNkNfU3duSzNQNlhjTFp5WGVzYkhHRGxITlpaQTJCeUN3UkxpaDFvVThseExmZmpZUFlqOGFqQjR5ODdSRTc3TkY5SXFrZA?oc=5) · RINewsToday
- 2026-01-08 [BankRI officially changing name to Beacon Bank following merger - Providence Business News](https://news.google.com/rss/articles/CBMihwFBVV95cUxPMGJ6R2lLX25xbTY0SldNREdvbVg2MHNyNEF6Ti1WdHVzNlA4QndmdGN6bkxWYVJwWVdyd21DQU5OUlFVZm1qam9KckFYdlhxU3Vka0d3MzFNc2tBTFc4d1MtQkVqbnFtdGk3WkNubGNHNUpKVFNaQmtlTmxOd29KbGhuaFd0Wm_SAY8BQVVfeXFMT1dqM3hzcWxpdGROdHJNajJWVU9idTdKUW1iS1BsVG16MDllM2lQR24yZl84d2NndVRVZ1RxbHRFbWlnRjNzczE3Zm15aUFVQVZFcTNPVjRCT1U0R05SU2xKY1dCMGh3UmhTUXBVei1PS0h1QzdKWEpvNnFXaVZjNHA3X004Z1FfUzFTVFlGRGc?oc=5) · Providence Business News
- 2025-10-05 [People on the Move: Bergeron to BankRI and Estrada Joins Residential Properties - Go Local Prov](https://news.google.com/rss/articles/CBMisAFBVV95cUxObTNIVFFqVDUzTTNEZWFiSDgzVHB2cjFlLTF5N2VhNjZrLTYtZ195QW5wRkxVb09MbzVNXzdkMTdNdHYwdE9lYVlWVXprUWFlLXRGVFkyeU9jSmhYQWdmNXh4T0RyTWFwT2FHWVZmRmN0M3ZidjdVeHVHWS1Zc0FCRWdva1VzRVRMRTFwZXJZMHIxTEpPYXRoNk80ZFdVRDFubVh3ZzY1S0tPRlhrOEN6OA?oc=5) · Go Local Prov
- 2026-07-02 [Taylor Swift and Travis Kelce donate $26m to charities ahead of their wedding, including $1m to R.I. food bank - The Boston Globe](https://news.google.com/rss/articles/CBMingFBVV95cUxQWjBxNmhyN2tzekJ6bjNlX1RNQnEwWU1nc2ppRzZ6X1c4TjVfOGgzUHNMSE03OTI3YVE2azljRko5M1lqbzQzQWZ6TGp1TS1uRmd6R0pFSXFidmJqc3hqdEc4ZjVEUnlvVlJqSURFdFB2bjhTZURnQnFpUEVJbmVFYzJoYVBNbU91Q0Eyd0Q0enZHam9LcVVZQnR1UkFCdw?oc=5) · The Boston Globe
- 2024-05-20 [McKee pushes state tax rewrite to keep Citizens Bank rooted in Rhode Island. But will it fly? - Rhode Island Current](https://news.google.com/rss/articles/CBMizwFBVV95cUxQTmhUa09TcUoyeF9NZFNRaW01LWdJanh2TFdlZXp1QjdNSk1wUEFNR3l2QUFsMDFDWExxQ1oyWkFJV3h3UHJ0NXlRd0RBWXZSak1RRXgzdHN0RkFZa3FVT0ZtV1MzZnpKcGo0ZTFSQnRZYkk2MEozWmtFN1Q1cW5aQWl0VDM3QWpFTmJQTnVBOXdLOHp0VWJPQkJ4djFiOEp2RXFINFU0Y0hvMVdJZzBRZEJjYUs4TDhSN3pTMWVEdDM5Vl85NHZJQ2NhSGQya2M?oc=5) · Rhode Island Current
- 2023-12-13 [BankRI opens Newport Branch in Bellevue Plaza - What's Up Newp](https://news.google.com/rss/articles/CBMihAFBVV95cUxNTkR3Q0NnRVpLZTA0OG91V3plcUlvdXltcGtSX3Q2TWNBeThxdGwyWmpUQjQ4dnVoelBta1VzZ0hNUVBpZ25zMmcyaHlMcXpIX1dNdkpOZGJlemlSNDBsZFhaMXIwalRxZ0wxNmdJa29kWW9GR0JfdjVITTdfQnFmRkJWZms?oc=5) · What's Up Newp
- 2023-12-05 [People on the Move: BankRI Announces Major Promotions - Go Local Prov](https://news.google.com/rss/articles/CBMikwFBVV95cUxQYlNXT200ZGRqQWRsQkxWY0tIUU5UTFZZSXJGdHZsRTh0MDV2MEs4bjU1Y2ZXQmpuUHdsRlJxVktockV0alJJVTRHcUJsQXA2azVwWm5Zb3dwMmNxX1hrUGF2NkNVSW83Y3VYVWxDbDdkeUpveXVBdkE2Nzdva0pRdDhxalBLMkpOeXdIZ1pTLTk0Z2c?oc=5) · Go Local Prov

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34147 (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/35.json (key "34147", 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