D
Shoreham Bank
WarwickRI
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Shoreham Bank
Warwick, RI
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Rating D
Asset Quality Index 4.80
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 5.80
Stability Index 3.70
Company Info Shoreham Bank
Warwick, RI
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FDIC Number 27417
Phone Number (401) 773-2885
Website www.shoreham.bank
Asset Quality Shoreham Bank
Warwick, RI
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1-Year Asset Growth 12.90%
5-Year Asset Growth 8.04%
5-Year Charge-Offs to Average Loans 0.40%
Charge-Offs to Average Loans 0.34%
Non-Performing Assets to Assets 0.75%
Non-Performing Loans to Capital 5.56%
Non-Performing Loans to Loans 0.83%
Balance Sheet Shoreham Bank
Warwick, RI
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Total Assets 494.09M
Total Deposits 432.23M
Capital and Reserves Shoreham Bank
Warwick, RI
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Capital 54.11M
Leverage Ratio 11.14
Loan Loss Reserves to Loans 2.23%
Risk-Based Capital Ratio 14.26
Liquidity Shoreham Bank
Warwick, RI
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Hot Money Ratio 28.52%
Liquidity Ratio 9.72%
Profitability Shoreham Bank
Warwick, RI
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5-Year Return on Average Assets 2.22%
Net Income 1.54M
Net Interest Spread 4.74%
Operating Profit to Average Assets 1.26%
Overhead Efficiency Ratio 70.83%
Return on Assets 1.26%
Return on Equity 11.48%