Rhode Island

Banks

Rhode Island's 5 banks hold $246B in assets at 30 June 2026. Citizens Bank National Association is the largest at $233B, and the five largest hold 100% of the total; 4 institutions are above $1B, holding $245B.

Loans grew a median +5.6% in the year to 30 June 2026: 0 institutions grew faster than 10% and 1 shrank. The median bank lends 102% of its deposits and holds commercial real estate at 40.4% of loans. Nonperforming loans sit at a median 1.12% of the book, return on assets at 0.90%, and equity at 10.3% of assets.

2 of the 5 are in the catalogue, each read from its own filing beside the banks its size in the state: Citizens Bank National Association, Washington Trust Co. of Westerly.

Citizens Bank National Association holds 94.6% of the state's bank assets; the five largest hold 100%, and 4 of the 5 are above $1B.

The curve's distance from the diagonal is the concentration: 100% of the assets in 100% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

1-4 family residential, closed-end is the largest category at 25.8% of the state's $160B in loans, then Commercial & industrial at 18.0% and Other loans and leases at 15.1%.

Centreville Bank grew fastest at +8.6%; 0 grew faster than 10% and 1 shrank, Washington Trust Co. of Westerly the most at -0.8%. The median is +5.6%.

Centreville Bank is the most CRE-weighted at 45.2% of loans; 3 of the 5 are above 40%, against a median of 40.4%.

1 of the 5 bank sits above the 300% screen, Washington Trust Co. of Westerly the highest at 333% of capital; the median is 268%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

0 of the 5 banks sit above the 100% construction screen, Banknewport the highest at 50%; the median is 20%.

3 of the 5 lend more than they hold in deposits, Shoreham Bank the furthest at 111%; the median is 102%.

Centreville Bank carries the most nonperforming loans at 1.80% of the book; 3 of the 5 are above 1%, and the median is 1.12%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 2 of the 5 hold an allowance smaller than their nonperforming loans.

Centreville Bank earns the most at 1.29% and Banknewport the least at 0.61%; 0 of the 5 earn under 0.50%, and the median is 0.90%.

Citizens Bank National Association runs the leanest at 60.6% of revenue in cost; 0 of the 5 spend more than 80 cents of every revenue dollar, and the median is 68.7%.

Institution	Assets	Loans YoY	CRE / loans	Loans / deposits	NPA / loans	ROA	Equity / assets
Citizens Bank National Association	$233B	+5.5%	15.4%	79%	1.36%	0.99%	11.4%
Washington Trust Co. of Westerly	$6.6B	-0.8%	40.4%	96%	0.78%	0.90%	8.7%
Centreville Bank	$3.2B	+8.6%	45.2%	105%	1.80%	1.29%	13.7%
Banknewport	$3.1B	+5.8%	41.3%	102%	0.95%	0.61%	9.9%
Shoreham Bank	$535M	+5.6%	29.2%	111%	1.12%	0.62%	10.3%

Credit unions

Rhode Island's 14 credit unions hold $11.0B in assets at 31 March 2026. Navigant is the largest at $4.2B, and the five largest hold 90% of the total; 2 institutions are above $1B, holding $7.7B.

Loans grew a median +2.1% in the year to 31 March 2026: 1 institution grew faster than 10% and 6 shrank. The median credit union lends 83% of its shares, with member business loans at 0.0% of loans. Delinquent loans sit at a median 0.30% of the book, return on assets at 0.43%, and net worth at 11.2% of assets.

None of the 14 is in the catalogue yet.

Navigant holds 37.9% of the state's credit union assets; the five largest hold 90%, and 2 of the 14 are above $1B.

The curve's distance from the diagonal is the concentration: 90% of the assets in 36% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

Natco Employees grew fastest at +55.9%; 1 grew faster than 10% and 6 shrank, Cranston Municipal Employees the most at -3.6%. The median is +2.1%.

Community & Teachers carries the most commercial lending at 14.5% of loans; 4 of the 14 are above 10%, against a median of 0.0%.

2 of the 14 lend more than they hold in shares, Coastal1 the furthest at 107%; the median is 83%.

Ocean State carries the most delinquency at 1.54% of the book; 1 of the 14 are above 1%, and the median is 0.30%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 3 of the 14 hold an allowance smaller than their delinquent loans.

Greenwood earns the most at 1.05% and Cranston Municipal Employees the least at -0.85%; 8 of the 14 earn under 0.50%, and the median is 0.43%.

Greenwood runs the leanest at 38.3% of revenue in cost; 6 of the 14 spend more than 80 cents of every revenue dollar, and the median is 77.7%.

Institution	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquency	ROA	Net worth
Navigant	$4.2B	+5.1%	9.6%	100%	0.33%	0.84%	9.9%
Coastal1	$3.5B	-0.4%	9.3%	107%	0.17%	0.48%	10.6%
Greenwood	$925M	+5.9%	14.5%	99%	0.40%	1.05%	9.7%
The Peoples	$802M	+2.7%	12.0%	103%	0.40%	0.22%	10.0%
Westerly Community	$511M	+4.2%	10.3%	92%	0.27%	0.62%	9.4%
Rhode Island	$427M	+9.9%	0.0%	82%	0.31%	0.13%	10.3%
Ocean State	$351M	-2.9%	0.0%	97%	1.54%	0.13%	11.4%
Wave	$155M	-3.0%	0.0%	57%	0.29%	0.59%	12.4%
Cranston Municipal Employees	$79M	-3.6%	0.0%	84%	0.23%	-0.85%	18.9%
Blackstone River	$75M	+6.0%	0.0%	44%	0.88%	0.83%	11.0%
Community & Teachers	$31M	-2.3%	14.5%	70%	0.91%	0.63%	11.3%
Cumberland Municipal Employees	$9M	-3.2%	0.0%	47%	0.12%	0.38%	19.4%
Pawtucket Municipal Employees	$6M	+1.4%	0.0%	73%	0.00%	0.14%	13.7%
Natco Employees	$201K	+55.9%	0.0%	24%	0.00%	0.11%	17.4%