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This institution is no longer active

Operations ceased on September 2, 2025. CRA examination history below reflects the period it was active.

BANK RHODE ISLAND

PROVIDENCE, RI · Supervised by FDIC

Est. 1996FDIC #34,147RSSD: FDIC-34147
Part ofBROOKLINE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.98%

Institution Profile

FDIC BankFind

Address

1 Turks Head Pl, PROVIDENCE, RI

County

Providence County

Established

March 22, 1996

Total Assets

$3.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2011

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 15 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$3.6B

Total Deposits

$2.6B

Net Loans

$2.8B

Net Income

$17M

ROA

0.98%

ROE

9.29%

Risk-Based Capital

11.89%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate23.45%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

22

Branch Deposits

$2.6B

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202455062.36%23.45%
202356760.32%25.22%
202286767.94%18.57%
202187873.69%14.12%
202086064.19%16.98%
201997870.76%17.48%
201889466.11%22.60%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1997

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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