Shoreham Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Shoreham Bank of Warwick, RI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.96% | 1.25% | -0.29% | 30th below |
| ROAE | 9.04% | 12.22% | -3.18% | 29th below |
| Net Interest Margin | 4.26% | 3.95% | +0.31% | 68th above |
| Efficiency Ratio | 73.64% | 63.71% | +9.93% | 20th bottom |
| PPNR / Avg Assets | 1.67% | — | — | 54th above |
| Yield on Earning Assets | 7.46% | 5.67% | +1.79% | 98th top |
| Cost of Funds | 3.52% | 1.87% | +1.65% | 1st bottom |
| Net Interest Spread | 3.89% | — | — | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.12% | 0.88% | +0.24% | 25th below |
| NPA / Total Assets | 0.99% | — | — | 20th bottom |
| NCO / Avg Loans | 0.67% | 0.15% | +0.52% | 5th bottom |
| ACL / Total Loans | 2.11% | — | — | 94th top |
| ACL / NPLs (Coverage) | 187.93% | — | — | 46th below |
| Texas Ratio | 8.10% | 5.96% | +2.14% | 23rd bottom |
| Provision / NCO | 121.23% | — | — | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.73% | 17.18% | -4.45% | 24th bottom |
| Tier 1 Ratio | 12.73% | 17.21% | -4.48% | 24th bottom |
| Total Capital Ratio | 13.99% | — | — | 26th below |
| Leverage Ratio | 10.65% | 11.75% | -1.10% | 44th below |
| Equity / Assets | 10.34% | 10.98% | -0.64% | 49th below |
| TCE / Tangible Assets | 10.34% | — | — | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 111.49% | 80.44% | +31.05% | 3rd bottom |
| Core Deposit Ratio | 71.96% | 86.95% | -14.99% | 6th bottom |
| Wholesale Funding Ratio | 10.29% | — | — | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.38% | — | — | 64th above |
| Loan Growth (Y/Y) | 5.64% | — | — | 51st above |
| Deposit Growth (Y/Y) | -2.44% | — | — | 12th bottom |
See Shoreham Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Shoreham Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Shoreham Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Shoreham Bank peer analysis.