Shoreham Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 28.44 percentage points lower than in Q1 2026, at 209.62%. As of Q2 2026, Shoreham Bank ranks first in Rhode Island on loan-to-deposit ratio among 5 banks, at 111.49%. Shoreham Bank reported 111.49% on loan-to-deposit ratio for Q2 2026, 30.93 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $468.8M |
| Net loans and leases | $458.9M |
| Loans held for sale | $12.2M |
| Loans to total assets | 87.66% |
| Loan-to-deposit ratio | 111.49% |
| Net loans to equity capital | 8.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.22% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 3.24% |
| Consumer | 19.98% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 209.62% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.84% |
| Interest income on loans | $9.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $348.3M | $341.2M | 29.04% | 1.24% | 26.37% |
| Q4 2023 | $366.4M | $341.6M | 30.39% | 1.16% | 26.12% |
| Q1 2024 | $384.0M | $374.6M | 31.07% | 1.11% | 25.61% |
| Q2 2024 | $406.8M | $413.3M | 29.26% | 1.35% | 25.33% |
| Q3 2024 | $439.8M | $427.1M | 30.26% | 1.54% | 24.10% |
| Q4 2024 | $428.3M | $424.5M | 29.15% | 1.73% | 24.27% |
| Q1 2025 | $430.6M | $432.2M | 29.99% | 2.43% | 23.85% |
| Q2 2025 | $443.7M | $431.0M | 32.89% | 2.06% | 22.99% |
| Q3 2025 | $430.4M | $429.2M | 32.72% | 2.25% | 23.49% |
| Q4 2025 | $423.6M | $406.4M | 33.07% | 2.28% | 23.25% |
| Q1 2026 | $457.6M | $417.8M | 35.70% | 1.98% | 20.74% |
| Q2 2026 | $468.8M | $420.5M | 31.22% | 3.24% | 19.98% |
Shoreham Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Shoreham Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Shoreham Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27417) · FFIEC NIC profile (RSSD 724904)