🏦Bank Scorer

CENTREVILLE BANK

WEST WARWICK, RI · Supervised by FDIC

Est. 1888FDIC #17,764RSSD: FDIC-17764
Part ofCENTREVILLE MHC→ View all charters
Satisfactory Same

Current rating · Exam: March 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.86%

Institution Profile

FDIC BankFind

Address

1218 Main St, WEST WARWICK, RI

County

Kent County

Established

January 1, 1888

Total Assets

$3.1B(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

March 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.1B

Total Deposits

$2.3B

Net Loans

$2.3B

Net Income

$7M

ROA

0.86%

ROE

6.30%

Risk-Based Capital

0.00%

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 Rate15.72%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

19

Branch Deposits

$2.1B

1-Year Change

+1

5-year net change: +3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202478970.98%15.72%
202387877.45%11.50%
202275377.29%14.74%
202176978.41%10.14%
20201,02974.64%12.54%
201968073.38%10.44%
201862175.36%13.04%

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

12 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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