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BDI
SB

Shoreham Bank

Warwick, Rhode IslandFDIC Cert #27417

OCCEstablished 19794 branches

Holding company: JAMESTOWN TRUST#3Regulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.51%
+45.5%y/y
Peer standing45th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICP9ASSET + LNLSGR
Nonaccrual %
1.38%
+67.4%y/y
Peer standing14th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNAASSET + LNLSGR
Noncurrent %
1.38%
+67.4%y/y
Peer standing15th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.35%
+79.1%y/y
Peer standing13th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$7.03M
+89.3%y/y
Peer standing14th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
1.13%
+218.3%y/y
Peer standing2nd percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNTLNLS + LNLSGR
NCO
$1.23M
+233.0%y/y
Peer standing1st percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
2.13%
−4.6%y/y
Percentile by value99th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNATRES + LNLSGR
30–89
$2.31M
+54.6%y/y
Peer standing40th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICP9ASSET
Nonaccrual
$6.33M
+77.9%y/y
Peer standing12th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNAASSET