Shoreham Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 34.11 percentage points higher than in Q1 2026, at 187.93%. On return on assets, Shoreham Bank is 2nd from the bottom among 5 Rhode Island banks, 0.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Shoreham Bank sits 0.30 points lower, at 0.96% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.73% |
| Tier 1 risk-based capital ratio | 12.73% |
| Total risk-based capital ratio | 13.99% |
| Tier 1 leverage ratio | 10.65% |
| Equity capital to assets | 10.34% |
| Tangible equity to tangible assets | 10.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.12% |
| Non-performing assets ratio | 0.99% |
| Net charge-off ratio | 0.67% |
| Texas ratio | 8.10% |
| Allowance for credit losses to loans | 2.11% |
| Reserve coverage of non-performing loans | 187.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.96% |
| Return on equity | 9.04% |
| Net interest margin | 4.26% |
| Efficiency ratio | 73.64% |
| Yield on earning assets | 7.46% |
| Cost of funds | 3.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.49% |
| Core deposits to total deposits | 71.96% |
| Brokered deposits to total deposits | 20.25% |
| Deposits to assets | 78.63% |
| Securities to assets | 2.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.46% | 15.46% | 16.72% | 13.18% | 1.08% |
| Q4 2023 | 14.91% | 14.91% | 16.17% | 12.61% | 1.07% |
| Q1 2024 | 14.48% | 14.48% | 15.74% | 12.10% | 0.80% |
| Q2 2024 | 13.83% | 13.83% | 15.09% | 11.67% | 1.01% |
| Q3 2024 | 12.97% | 12.97% | 14.23% | 11.09% | 1.15% |
| Q4 2024 | 13.05% | 13.05% | 14.31% | 11.00% | 1.42% |
| Q1 2025 | 12.99% | 12.99% | 14.26% | 11.14% | 1.26% |
| Q2 2025 | 12.95% | 12.95% | 14.21% | 10.98% | 1.15% |
| Q3 2025 | 12.83% | 12.83% | 14.10% | 10.78% | 0.60% |
| Q4 2025 | 13.14% | 13.14% | 14.41% | 11.20% | 0.29% |
| Q1 2026 | 12.86% | 12.86% | 14.13% | 11.17% | 0.30% |
| Q2 2026 | 12.73% | 12.73% | 13.99% | 10.65% | 0.96% |
Shoreham Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Shoreham Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)