D
Shoreham Bank
WarwickRI
Rating Date
June 2025
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Major Rating Factors: A current level of 5.6 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Fair asset quality (4.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 11.1. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.8) profitability.
Asset Mix: Home mtgs (38%), comm re (26%), consumer loans (21%), cash (8%), securities (3%), comm loans (2%), other (2%)
States with Branches: MA, RI
Asset Quality
Non-Performing Loans to Capital
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5-Year Charge-Offs to Average Loans
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Hot Money
Corporate Info
Group Affiliation
Jamestown Trust#3
Investment Rating
--
Address
One Shoreham Way
Warwick, RI 02886
Phone Number
(401) 773-2885
Year Founded
1959
FDIC Number
Largest Affiliates
No affiliate information available.