Washington Tr Co of Westerly vs Centreville Bank
Side-by-side bank health comparison using FDIC financial data
Washington Tr Co of Westerly and Centreville Bank are meaningfully apart on the BankHealth rubric: Washington Tr Co of Westerly grades B, Centreville Bank grades D. Size-wise, Washington Tr Co of Westerly holds $7.2B in assets versus $2.7B at Centreville Bank.
Washington Tr Co of Westerly 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
Washington Tr Co of Westerly has a stronger Bank Health Score of 66/100 (B) compared to Centreville Bank at 43/100 (D), a difference of 23 points. Washington Tr Co of Westerly holds a Tier 1 capital ratio of 10.90% and an NPL ratio of 0.54%.
| Metric | Washington Tr Co of Westerly | Centreville Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 66/100 (B)* | 43/100 (D) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 10.9%* | 0.0% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.5%* | 0.8% |
| Liquidity Ratio Cash and liquid assets vs obligations | 14.8% | 16.6%* |
| Return on Assets Profitability metric (above 1% is strong) | 0.8% | 0.9%* |
| Total Assets | $7.2B | $2.7B |
| Total Deposits | $5.0B | $2.0B |
| Location | Westerly, Rhode Island | West Warwick, Rhode Island |
Washington Tr Co of Westerly has a stronger Bank Health Score of 66/100 (B) compared to Centreville Bank at 43/100 (D), a difference of 23 points. Washington Tr Co of Westerly holds a Tier 1 capital ratio of 10.90% and an NPL ratio of 0.54%.