Shoreham Bank
Shoreham Bank is the primary bank subsidiary of its parent holding company, headquartered in Warwick, RI. Total assets stand at $522M. Profitability runs below industry average — 0.30% ROA, 2.73% ROE, with NIM at 4.27%. Capital is comfortably above regulatory minimums — CET1 ratio of 12.86% sits well above the 7% well-capitalized threshold. Credit conditions bear watching: 1.54% NPL ratio with a 11.96% Texas Ratio (elevated but below the 100% concern level). 4 branches make up the footprint.
Headquarters Profile
- Address
- 1 Shoreham Way, WARWICK, RI 02886
- County
- Kent
- Metro Area
- PROVIDENCE-WARWICK, RI-MA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- Fed District
- 2
- Established
- January 1, 1979
- Branches
- 4 domestic
- Employees (FTE)
- 101
- FDIC Cert
- 27417
- Fed RSSD
- 724904
- Website
- www.shoreham.bank →
- Parent Holding Company
- PROSPECT FINANCIAL CORPORATION (RSSD 3834822)
Capital & Liquidity
Inside the full Shoreham Bank terminal
8 tabs · 24-year trend charts · peer percentiles · Excel export
Unlock Shoreham Bank — freeThis is just Shoreham Bank's summary.
See the full 24-year trend, peer benchmarking, and risk analysis for this bank — plus every one of the 4,335 currently filing institutions, with CAMELS analytics and exportable tearsheets.
Free account · no credit card required
Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
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 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Similar banks
Compare Shoreham Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Shoreham Bank
What are Shoreham Bank's total assets?
As of the Q1 2026 filing, Shoreham Bank reported total assets of $522.0 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 12.86% in its most recent quarterly filing — above regulatory minimums.
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 11.96% — 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.
Go deeper on Shoreham Bank.
Unlock the full terminal — 24 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Start freeFree account · no credit card required