Centreville Bank vs Shoreham Bank
Comparing a Bank in West Warwick, RI with a Bank in Warwick, RI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Centreville Bank ↗ Bank · West Warwick, RI · Est. 1888 | Shoreham Bank ↗ Bank · Warwick, RI · Est. 1979 | |
|---|---|---|
| Trust Grade | A · 97/100 | A · 92/100 |
| Institution type | Bank | Bank |
| Location | West Warwick, RI | Warwick, RI |
| Total assets | $3.1B | $522.0M |
| Capital ratio | 13.7% | 10.5% |
| Return on assets | 0.9% | 0.3% |
| Deposits | $2.3B | $417.8M |
| Branches | 22 | 4 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 6 | #4 of 6 |
| Established | 1888 | 1979 |
Centreville Bank
- Assets: $3.1B
- Deposits: $2.3B
- Capital ratio: 13.7%
- Return on assets: 0.9%
- CFPB complaints: 0
- State rank: #1 of 6
Shoreham Bank
- Assets: $522.0M
- Deposits: $417.8M
- Capital ratio: 10.5%
- Return on assets: 0.3%
- CFPB complaints: 0
- State rank: #4 of 6
Are both institutions federally insured?
Yes. Centreville Bank is FDIC-insured and Shoreham Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Centreville Bank or Shoreham Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Centreville Bank scores higher with a grade of A (97/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Centreville Bank safe?
Yes — Centreville Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (97/100), reflecting its financial strength and complaint history relative to peers.
Is Shoreham Bank safe?
Yes — Shoreham Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (92/100).
What is the capital ratio of Centreville Bank vs Shoreham Bank?
Centreville Bank has a capital ratio of 13.7%, placing it in the top 11% of $1B–10B peers. Shoreham Bank's ratio is 10.5%, placing it in the top 44% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Centreville Bank have compared to Shoreham Bank?
The CFPB database shows 0 complaints against Centreville Bank, and 0 complaints against Shoreham Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Centreville Bank with other Banks in Rhode Island
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
