Centreville Bank: how it compares with its peers
Against 484 U.S. banks with half to twice its assets, Centreville Bank's strongest measure in Q2 2026 is assets per employee ($10.8M vs. a $9.1M peer median). Its weakest relative measure is net interest margin (3.11% vs. 3.70%).
| Measure | Centreville Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.30% | 1.27% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.11% | 3.70% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.46% | 58.59% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.8M | $9.1M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 104.24% | 88.24% | Context |
What it means for lending operations
Its efficiency ratio of 67.46% is above the 58.59% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Farmers Bank & Trust Company Magnolia, AR · $3.16B
- Monet Bank Plano, TX · $3.16B
- Citizens & Northern Bank Wellsboro, PA · $3.14B
- 1st Security Bank of Washington Mountlake Terrace, WA · $3.18B
- First National Bank Damariscotta, ME · $3.18B
- Amboy Bank Old Bridge, NJ · $3.12B
Questions about Centreville Bank
How big is Centreville Bank?
Centreville Bank, established in 1888, is headquartered in West Warwick, RI. It reported $3.15B in total assets in its Q2 2026 FDIC call report and operates 23 offices.
What is Centreville Bank's return on assets?
1.30% annualized in Q2 2026, against a 1.27% median for 484 U.S. banks with half to twice its assets, ahead of 53% of them.
What is Centreville Bank's efficiency ratio?
67.46% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 58.59%, and lower is better.
Is Centreville Bank growing its loans?
Net loans grew 8.7% over the year to Q2 2026, while deposits grew 7.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Rhode Island bank ranked.