Shoreham Bank
Warwick, RI · Cert 27417 · Peer group: banks under $1B in assets (n=581-629) · Jamestown Trust#3
State savings bank · OCC · 4 branches
Q2 2026
$534.8MAssets
$468.8MLoans
$420.5MDeposits
$55.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 75% of banks under $1B in assets (rank 156 of 629).
- Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets (rank 561 of 581).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.48%
Rank 510 of 629
Net Interest Margin
4.06%
Rank 156 of 629
Efficiency Ratio
76.56%
Rank 440 of 629
Equity / Assets
10.34%
Rank 347 of 629
Non-interest income vs. expense
Unfavorable gap of $14.2M · efficiency ratio beats 30% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.48% | 0.60% | 1.01% | 1.45% | Beats 19% | 510 / 629 | | |
| Return on Equity | 4.60% | 5.38% | 9.30% | 13.28% | Beats 21% | 497 / 629 | | |
| Net Interest Margin | 4.06% | 3.03% | 3.54% | 4.05% | Beats 75% | 156 / 629 | | |
| Efficiency Ratio | 76.56% | 58.35% | 67.79% | 79.08% | Beats 30% | 440 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.12% | 0.09% | 0.46% | 1.20% | Beats 27% | 426 / 581 | | |
| Net Charge-Offs / Loans | 0.45% | n/a | 0.01% | 0.06% | Beats 4% | 561 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.73% | 11.24% | 13.84% | 18.77% | Beats 41% | 373 / 629 | | |
| Total Risk-Based Capital Ratio | 13.99% | 11.58% | 14.43% | 19.66% | Beats 46% | 337 / 629 | | |
| Equity / Assets | 10.34% | 9.09% | 10.65% | 13.80% | Beats 45% | 347 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 111.49% | 67.24% | 80.90% | 93.48% | 96th pctl | 25 / 594 | | |
| Loans / Assets | 87.66% | 53.31% | 67.71% | 78.15% | 96th pctl | 24 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |