Shoreham Bank

BankWarwick, Rhode Island
www.shoreham.bank

Total Assets

$481.2M

Total Deposits

$406.4M

Branches

4

Established

1979

TFS Health Grade

$
D+

67.2 / 100

Below average financial health

How we grade

Shoreham Bank is a bank headquartered in Warwick, Rhode Island, established in 1979. With $481.2M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D+ (67.2/100).

Capital & Safety

Tier 1 Capital Ratio
11.20%(8%)
Total Capital Ratio
14.41%(10%)
Non-Performing Loan Ratio
1.28%

Profitability

Return on Assets (ROA)
0.83%(1%)
Return on Equity (ROE)
7.54%(10%)
Net Interest Margin
4.83%
Efficiency Ratio
76.63%(60%)

Lending & Liquidity

Total Loans
$423.6M
Loan-to-Deposit Ratio
101.75%
Net Charge-Off Ratio
0.56%

Growth

Asset Growth (YoY)
-0.85%
Deposit Growth (YoY)
-4.25%
Net Income
$4.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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