SHOREHAM BANK
SHOREHAM BANK is an FDIC-insured commercial bank headquartered in WARWICK, RI, established in 1979. As of , 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 4.64%. CET1 capital ratio: 13.14%, well above regulatory minimums. NPL ratio: 1.35% · Texas Ratio: 10.08%. Operates 4 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Shoreham Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.14% | 0.29% | 1.35% | 10.08% | 4.64% |
| 2025-09-30 | 12.83% | 0.61% | 1.15% | 7.63% | 4.46% |
| 2025-06-30 | 12.95% | 1.15% | 1.04% | 7.22% | 4.93% |
| 2025-03-31 | 12.99% | 1.26% | 0.83% | 5.83% | 4.73% |
| 2024-12-31 | 13.05% | 1.42% | 0.82% | 5.96% | 4.97% |
| 2024-09-30 | 12.97% | 1.16% | 0.96% | 7.01% | 4.79% |
| 2024-06-30 | 13.83% | 1.01% | 1.02% | 7.06% | 4.98% |
| 2024-03-31 | 14.48% | 0.80% | 1.09% | 7.12% | 5.09% |
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Frequently asked about SHOREHAM BANK
What are Shoreham Bank's total assets?
As of the Q4 2025 filing, Shoreham Bank reported total assets of $481.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Shoreham Bank headquartered?
Shoreham Bank is headquartered in WARWICK, RI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Shoreham Bank founded?
Shoreham Bank was established in 1979, per the FDIC institution directory.
Is Shoreham Bank FDIC-insured?
Yes. Shoreham Bank is an FDIC-insured commercial bank (FDIC Certificate #27417). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Shoreham Bank?
Shoreham Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Shoreham Bank's CET1 capital ratio?
Shoreham Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.14% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Shoreham Bank operate?
Shoreham Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Shoreham Bank's Texas Ratio?
Shoreham Bank's Texas Ratio is 10.08% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.