Centreville Bank
Centreville Bank reported total assets of $3.2 bn at Q2 2026, up 8.9% on a year earlier, the 404th largest of 497 banks in our US coverage. Centreville Bank uses the community bank leverage ratio framework, with a leverage ratio of 13.35%, and the uninsured share of Centreville Bank was 17.59%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Centreville Bank slipped from 320th to 446th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Centreville Bank has one of the highest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 104.24% at , against a median of 88.61% across 339 banks (FDIC Call Reports).
- Since , Centreville Bank has taken over one institution; the latest was Putnam Bank on (FDIC Call Reports).
What sets Centreville Bank apart
How large is Centreville Bank?
The balance sheet of Centreville Bank at : assets $3.2 bn, deposits $2.3 bn, net loans $2.4 bn (loans equal to 104.24% of deposits). Securities make up 16.0% of total assets at Centreville Bank. Since , when Centreville Bank held $1.1 bn, its assets grew 197.0%. In the year to , deposits at Centreville Bank rose 7.2% while its total assets rose 8.9%. At , Centreville Bank employed 291 full-time equivalent staff across 22 offices, about $10.8 mn of assets per employee and $104.4 mn of deposits per office.
How much funding at Centreville Bank is uninsured?
At Centreville Bank, uninsured deposits (above the FDIC limit) made up 17.59% of domestic deposits at (-0.61 pp on a year earlier); Centreville Bank ranks 432nd of 500 on this measure. In dollars, Centreville Bank estimated $404.0 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.3 bn | +7.2% | 458th of 499 |
| Net loans and leases | $2.4 bn | +8.7% | 386th of 500 |
| Loan-to-deposit ratio | 104.24% | +1.40 pp | 36th of 500 |
| Net interest margin | 3.11% | +0.14 pp | 387th of 500 |
| Return on assets (ROA) | 1.30% | +0.43 pp | 253rd of 500 |
| Efficiency ratio | 67.46% | -0.84 pp | 414th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $24.6 mn | Narrowed by $5.8 mn | |
| Noncurrent loans to total loans | 1.80% | +1.09 pp | 446th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.09% | 0.00 pp | 251st of 500 (1 = lowest) |
US rank of Centreville Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Centreville Bank: assets, deposits and loans
- Total assets $3.2bn
- Deposits $2.3bn
- Net loans $2.4bn
Capital and securities
Centreville Bank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 13.35% in . Equity capital of Centreville Bank at : $430.6 mn, or 13.7% of total assets.
The available-for-sale portfolio of Centreville Bank showed an unrealized loss of $24.6 mn at ; the loss narrowed by $5.8 mn over the year.
Centreville Bank: capital ratios
- Total capital 27%
- CET1 26%
- Tier 1 leverage 13%
Centreville Bank: unrealized securities gains and losses
- Available for sale -$25mn
- Held to maturity $0
Profitability and loan quality
For the year to , Centreville Bank earned a return on equity of 9.50%; return on assets: 1.30%. Net interest margin at Centreville Bank: 3.11%, +0.14 pp in a year. Centreville Bank net income: $19.9 mn, up 61.7% year on year. The efficiency ratio of Centreville Bank was 67.46%: about 67 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 1.80% of total loans at Centreville Bank; net charge-offs: 0.09% of average loans. Gross loans and leases at Centreville Bank: $2.4 bn, up 8.6% in a year.
Centreville Bank: profitability
- Return on equity 9.5%
- Net interest margin 3.1%
- Return on assets 1.3%
Peer group of Centreville Bank
The peer group of Centreville Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Centreville Bank (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Rhode Island. Against them, Centreville Bank shows return on equity 9.50% against a peer median of 11.29% and uninsured deposit share 17.59% against a peer median of 38.10%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| 1st Security Bank of Washington | State-chartered stock savings bank | WA | $3.2 bn | 12.84% | 9.81% | 29.18% | |
| Monet Bank | State nonmember bank | TX | $3.2 bn | 135.52% | 12.77% | 80.17% | |
| Farmers Bank & Trust Company | State member bank | AR | $3.2 bn | not reported | 15.94% | 29.39% | |
| Centreville Bank | State-chartered stock savings bank | RI | $3.2 bn | not reported | 9.50% | 17.59% | |
| Citizens & Northern Bank | State member bank | PA | $3.1 bn | 12.85% | 8.61% | 31.42% | |
| Amboy Bank | State member bank | NJ | $3.1 bn | 14.75% | 21.96% | 53.18% | |
| BCB Community Bank | State nonmember bank | NJ | $3.1 bn | not reported | -4.67% | 44.78% | |
. FDIC Call Reports.
Last eight quarters
Two years at Centreville Bank, to : assets +13.2%, deposits +11.9%, equity +13.8%. Staff 250 to 291; offices 18 to 22.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.8 bn | $2.8 bn | $2.8 bn | $2.9 bn | $2.9 bn | $3.0 bn | $3.1 bn | $3.2 bn |
| Total deposits | $2.1 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.2 bn | $2.3 bn | $2.3 bn | $2.3 bn |
| Bank equity capital | $378.3 mn | $374.3 mn | $382.5 mn | $389.5 mn | $404.0 mn | $411.4 mn | $416.9 mn | $430.6 mn |
| Return on equity (ROE) | 9.01% | 6.70% | 7.14% | 6.46% | 8.03% | 7.46% | 6.30% | 9.50% |
| Uninsured share of domestic deposits | 17.86% | 17.39% | 18.56% | 18.21% | 17.63% | 17.94% | 17.85% | 17.59% |
| Full-time equivalent employees | 250 | 255 | 257 | 259 | 264 | 275 | 283 | 291 |
| Number of offices | 18 | 18 | 19 | 19 | 20 | 21 | 22 | 22 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Centreville Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Putnam Bank (FDIC certificate 18240).
Large one-quarter moves at Centreville Bank
- Total assets at Centreville Bank changed by +41.1% in the quarter to 2020-06-30: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Putnam Bank.
Questions and identifiers
What were the total assets of Centreville Bank?
Centreville Bank reported $3.2 bn at in its Call Report. That makes Centreville Bank the 404th largest of 497 banks in our US coverage.
Is Centreville Bank the same as its holding company?
No. This page covers Centreville Bank, FDIC certificate 17764; CENTREVILLE MHC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Centreville Bank profitable?
Centreville Bank reported net income of $19.9 mn for the year to ; annualized return on equity: 9.50%. So yes: Centreville Bank made a profit over these months.
When is data for Centreville Bank next updated?
Figures from Centreville Bank for are due after .
Where can I check the figures for Centreville Bank?
In the FDIC BankFind Suite record for certificate 17764, and in the Call Reports of Centreville Bank (RSSD ID 876700) at the FFIEC Central Data Repository.