Shoreham Bank vs Centreville Bank
Side-by-side bank health comparison using FDIC financial data
Shoreham Bank and Centreville Bank are meaningfully apart on the BankHealth rubric: Shoreham Bank grades B, Centreville Bank grades D. Size-wise, Shoreham Bank holds $469M in assets versus $2.7B at Centreville Bank.
Shoreham Bank comes out ahead on the composite score. For depositors comparing banks, the spread is large enough to be informative — though for amounts below FDIC insurance limits, both banks are operationally similar from a safety-of-deposits perspective.
Verdict
Shoreham Bank has a stronger Bank Health Score of 68/100 (B) compared to Centreville Bank at 43/100 (D), a difference of 25 points. Shoreham Bank holds a Tier 1 capital ratio of 13.83% and an NPL ratio of 1.02%.
| Metric | Shoreham Bank | Centreville Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 68/100 (B)* | 43/100 (D) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 13.8%* | 0.0% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 1.0% | 0.8%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 11.4% | 16.6%* |
| Return on Assets Profitability metric (above 1% is strong) | 0.9%* | 0.9% |
| Total Assets | $469M | $2.7B |
| Total Deposits | $413M | $2.0B |
| Location | Warwick, Rhode Island | West Warwick, Rhode Island |
Shoreham Bank has a stronger Bank Health Score of 68/100 (B) compared to Centreville Bank at 43/100 (D), a difference of 25 points. Shoreham Bank holds a Tier 1 capital ratio of 13.83% and an NPL ratio of 1.02%.