Centreville Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Centreville Bank (FDIC Cert #17764) registers 52/100 on DLRadar's scale — a moderate reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Centreville Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Centreville Bank is held under Centreville Mhc, so its disclosures are public and its stress trajectory is externally verifiable. The value is in the linkage: Centreville Bank's moderate reading is mapped onto 78 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. A moderate score on a footprint this size means the markets Centreville Bank touches inherit a corresponding share of that lending pressure. No bank is too small to score the same way: Centreville Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 4-county, 78-ZIP profile means exactly what it would for any institution nationwide. County by county, that footprint includes Providence County, RI, Washington County, RI, Kent County, RI, Newport County, RI, among others DLRadar tracks parcel by parcel. DLRadar maps Centreville Bank into 4 counties (78 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in Rhode Island (4 counties).

The acquisition angle is simple — lending capacity is what moves deals. As Centreville Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.