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Shoreham Bank

Warwick, Rhode IslandFDIC Cert #27417

OCCEstablished 19794 branches

Holding company: JAMESTOWN TRUST#3Regulator: OCC

FDICCERT + OFFDOM

What's happening here

As of Q1 2026FDICCall Report

Shoreham Bank reported $522M in total assets. Deposits declined 3.33% over the prior year.

Return on assets was 0.30%, compared with the official FFIEC UBPR peer median of 0.62%. The leverage ratio was 11.17%.

  • Why is CRE Concentration to Capital above its official FFIEC UBPR peers?
  • Why is Deposit Growth, Year over Year below its official FFIEC UBPR peers?
  • Why is Noncurrent Loan Ratio above its official FFIEC UBPR peers?

Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.

Latest reported quarter

Key metrics

Assets
$522M
+5.7%y/y
Percentile by value48th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICASSET
Deposits
$418M
−3.3%y/y
Percentile by value49th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICDEP
Net loans
$448M
+6.4%y/y
Percentile by value62nd percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSNET
ROA
0.30%
−96 bpsy/y
Peer standing26th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNETINC + ROA
Efficiency
80.17%
+934 bpsy/y
Peer standing43rd percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNONIX + NIM + NONII + EEFFR
Leverage
11.17%
+2 bpsy/y
Peer standing47th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICRBC1AAJ

Percentiles compare this bank with 152 ffiec ubpr peer group 102 — insured savings banks having assets between $300 million and $1 billion.

Side-by-side comparison

Shoreham Bank beside its official FFIEC UBPR peers

The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.

FFIEC + FDICUBPR membership + Call Report metrics
ROA

This bank

0.30%

Registry median

0.62%
ROE

This bank

2.73%

FFIEC trimmed average

5.33%
NIM

This bank

4.28%

Registry median

3.27%
Loans YoY

This bank

+6.37%

FFIEC trimmed average

+4.57%
Leverage

This bank

11.17%

FFIEC trimmed average

12.68%

FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.

FDICCall Report

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$362M$314M
Q3 2021$362M$310M
Q4 2021$339M$299M
Q1 2022$338M$293M
Q2 2022$326M$271M
Q3 2022$348M$278M
Q4 2022$380M$325M
Q1 2023$370M$311M
Q2 2023$388M$329M
Q3 2023$401M$341M
Q4 2023$417M$342M
Q1 2024$438M$375M
Q2 2024$469M$413M
Q3 2024$496M$427M
Q4 2024$485M$424M
Q1 2025$494M$432M
Q2 2025$503M$431M
Q3 2025$499M$429M
Q4 2025$481M$406M
Q1 2026$522M$418M

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$9.41M
Investor CRE$154M
Multifamily$0
Construction$0
1–4 family$190M
C&I$9.06M
Agriculture$0
Other$94.9M

FFIEC UBPR comparison

How this bank compares

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
26th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.08%Median 0.62%90th 1.27%Observations 152
ROE
FDICNETINC + ROE
28th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 0.81%Median 5.10%90th 11.70%Observations 152
NIM
FDICNIM + NIMY
91st percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.32%Median 3.27%90th 4.17%Observations 152
Efficiency
FDICNONIX + NIM + NONII + EEFFR
43rd percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 57.00%Median 78.14%90th 96.23%Observations 152
Deposits YoY
FDICDEP
9th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −2.99%Median +3.06%90th +10.97%Observations 152
Loans YoY
FDICLNLSNET
62nd percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −2.45%Median +4.37%90th +13.07%Observations 151
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
84th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.03%Median 0.40%90th 1.81%Observations 151
Leverage
FDICRBC1AAJ
47th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.69%Median 11.69%90th 19.02%Observations 152

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
4th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.62%Median 2.50%90th 3.50%Observations 151
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
86th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 19%Median 126%90th 290%Observations 98

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.

Branches & markets

Physical footprint

Domestic offices
4 branches
Headquarters
Warwick, RI
FDICOFFDOMOpen the Rhode Island dashboard →

History

Institution established

Filings

Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data