Centreville Bank vs Shoreham Bank
Side-by-side bank health comparison using FDIC financial data
Centreville Bank (B) and Shoreham Bank (B) are close on the BankHealth rubric. Asset bases: $2.7B versus $469M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Centreville Bank has a stronger Bank Health Score of 73/100 (B) compared to Shoreham Bank at 68/100 (B), a difference of 5 points. Centreville Bank holds a Tier 1 capital ratio of 13.1% and an NPL ratio of 0.76%.
| Metric | Centreville Bank | Shoreham Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 73/100 (B)* | 68/100 (B) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 13.1% | 13.8%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.8%* | 1.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 16.6%* | 11.4% |
| Return on Assets Profitability metric (above 1% is strong) | 0.9% | 0.9%* |
| Total Assets | $2.7B | $469M |
| Total Deposits | $2.0B | $413M |
| Location | West Warwick, Rhode Island | Warwick, Rhode Island |
Centreville Bank has a stronger Bank Health Score of 73/100 (B) compared to Shoreham Bank at 68/100 (B), a difference of 5 points. Centreville Bank holds a Tier 1 capital ratio of 13.1% and an NPL ratio of 0.76%.