SHOREHAM BANK

WARWICK, RI | Small | Est. Jan. 1, 1979, midnight | FDIC #27417 | RSSD #724904 | OCC
Latest Report: 2025-12-31

SHOREHAM BANK is asn small FDIC-insured commercial bank headquartered in WARWICK, RI, established in Jan. 1, 1979, midnight. As of 2025-12-31, the bank reported total assets of $481M and total deposits of $406M. Profitability stands at 0.29% ROA and 2.60% ROE, with a net interest margin of 4.94%. The bank's CET1 capital ratio is 13.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.28% and a Texas Ratio of 9.61%. FDIC Certificate #27417.

Assets

$481M

Deposits

$406M

Loans

$424M

Equity

$55M

Profitability

Return on Assets (ROA) 0.29%
Return on Equity (ROE) 2.60%
Net Interest Margin (NIM) 4.94%
Yield on Assets 8.53%
Cost of Funds 3.74%

Asset Quality

NPL Ratio 1.28%
Net Charge-Off Ratio 0.57%
Texas Ratio 9.61%
NPA Ratio 1.30%
ACL / Loans 2.38%

Capital & Liquidity

CET1 Ratio 13.14%
Tier 1 Capital 13.14%
Total Capital Ratio 14.41%
Leverage Ratio 11.20%
Loan-to-Deposit 104.23%

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