Institution Class	Commercial bank, state charter, Fed member, supervised by FRB
Primary Regulator	FED
Established Date	03/22/1996
Community Bank	No
Ownership Type	Not Mutual
ZIP	02903
State and County Number	44007
Subchapter S Corporations	No
Trust Powers	N/A
Federal Reserve ID Number	01
Numeric code	13
Insured by FDIC	Institution closed or not insured by FDIC
Federal Reserve District	New York
Core Based Statistical Area Name	Providence-Warwick, RI-MA

Operational Info

Number of Employees	300
Domestic Offices	22
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	09/02/2025
Date of Deposit Insurance	03/22/1996
Primary Insurance Agency	DIF
Website	N/A
Data Updated	11/28/2025
CERT	34147
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$3.58B
Total Deposits	$2.59B
Total Liabilities	$3.20B
Total Equity Capital	$379.00M
Net Income	$10.41M
Net Loans and Leases	$2.80B
Assets Per Employee ($Millions)	$11.93M
Bank Premises and Fixed Assets	$32.41M
Cash and Balances due from Depository Institutions	$211.32M
Deposits Held in Domestic Offices	$2.59B

Return on Assets (ROA)	1.19%
Return on Equity (ROE)	11.11%
Net Interest Margin	3.12%
Efficiency Ratio	57.94%
Tier 1 Risk-Based Capital Ratio	10.951%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	-0.27%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	10.589%
Earning Assets to total Assets	92.47%

Total Interest Income	$43.04M
Total Noninterest Income	$2.37M
Total Interest Expense	$17.94M
Total Noninterest Expense	$15.91M
Net Interest Income	$25.10M
Pre-tax Net Operating Income	$13.93M
Provision for Credit Losses	$-2,381,000
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	—
Other Real Estate Owned	$700.00k
Other borrowed funds	$395.58M
Federal Funds Sold & Reverse Repurchase Agreement	$100.00M
Federal Funds Purchased and Repurchased Agreement	$167.00M
All Other Liabilities	$40.35M
Total Liabilities and Capital	$3.58B

Securities	$236.60M
Available-for-sale debt securities	$236.60M
Equity securities with readily determinable fair values not held for trading	—
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$3.58M
Trading Liabilities	$3.50M

What are the total assets of Bank Rhode Island?

$3.58B as of the latest filing.

How much are Bank Rhode Island's total deposits?

$2.59B in total deposits.

Where is Bank Rhode Island located?

Providence, RI.

What is the Net Interest Margin?

3.12%.

How many domestic offices does it operate?

22.

When was it established?

03/22/1996.

What is the Return on Assets (ROA)?

1.19%.

How much are total loans and leases?

$2.80B (latest filing).

What is the total interest income (latest filing)?

$43.04M.