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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Warwick, RI · FDIC certificate #27417
SHOREHAM BANK is an FDIC-insured institution based in Warwick, RI (FDIC certificate #27417). In its Q3 2026 Call Report it reported total assets of $579M, total deposits of $433M and net loans of $502M. Its primary federal regulator is OCC.
Quarterly Call Report figures for SHOREHAM BANK. Blank cells mean the bank did not report the item; they are never zero.
Plain-language readout
SHOREHAM BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $579M in Q3 2026 and were lowest at $522M in Q1 2026.
Total deposits were highest at $433M in Q3 2026 and lowest at $418M in Q1 2026.
Over the whole period total assets rose 10.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $579M | $433M | $502M | 0.81% | 7.73% | 4.28% |
| Q2 2026 | $535M | $420M | $459M | 0.63% | 5.89% | 4.30% |
| Q1 2026 | $522M | $418M | $448M | 0.30% | 2.73% | 4.28% |
Quarterly Call Report history. Shaded band is the middle half of similar-size banks, where peer data exists. Quarters a bank did not report show as gaps.
| Measure | Trend | Latest | Change over window |
|---|---|---|---|
| Total assets | $534.8M | +115.4% | |
| Total equity capital | $55.3M | +118.2% | |
| Earnings before provision, single quarter | $2.2M | +58.3% | |
| Tier 1 capital to risk-weighted assets | 12.73% | -0.29 pts | |
| Tier 1 leverage (approximate) | 10.65% | +0.35 pts | |
| Texas ratio (adjusted) | 8.81% | -2.66 pts | |
| Commercial real estate to total capital | 224.79% | +175.00 pts | |
| Loans to deposits | 108.57% | +17.46 pts | |
| Yield on loans and leases | 7.84% | +1.47 pts | |
| Total interest expense to average assets | 3.14% | +1.97 pts |
Source: FFIEC Call Reports; OptimaYield calculations
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $39.7M | $37.6M | +$2.2M | +5.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $15.8M | $15.9M | -$25K | -0.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $12.2M | $27.5M | -$15.3M | -55.5% |
| Net loans and leases (after allowance) | $446.6M | $420.3M | +$26.3M | +6.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.9M | $6.9M | -$39K | -0.6% |
| Other real estate owned | $30K | $695K | -$665K | -95.7% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $5.3M | $5.2M | +$82K | +1.6% |
| All other assets | $8.1M | $7.9M | +$145K | +1.8% |
| Total assets | $534.8M | $522.0M | +$12.7M | +2.4% |
| Liabilities | ||||
| Total deposits | $420.5M | $417.8M | +$2.6M | +0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $55.0M | $47.0M | +$8.0M | +17.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.0M | $2.4M | +$1.6M | +67.2% |
| Total liabilities | $479.5M | $467.2M | +$12.2M | +2.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $92K | $92K | $0K | 0.0% |
| Surplus | $34.0M | $34.0M | $0K | 0.0% |
| Retained earnings | $21.3M | $20.8M | +$489K | +2.3% |
| Accumulated other comprehensive income | -$114K | -$106K | -$8K | -7.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $55.3M | $54.8M | +$481K | +0.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $5.3M | $7.0M | -$1.7M | -24.6% |
| Adjusted nonperforming assets | $5.3M | $7.0M | -$1.7M | -24.1% |
| Tangible equity plus allowance | $59.9M | $59.4M | +$562K | +0.9% |
| Texas ratio (gross) | 8.85% | 11.84% | -2.99 pts | See points |
| Texas ratio (adjusted) | 8.81% | 11.73% | -2.91 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.93% | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 12.73% | 12.86% | -0.13 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.73% | 12.86% | -0.13 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.99% | 14.13% | -0.13 pts | See points |
| Tier 1 leverage (approximate) | 10.65% | 11.17% | -0.51 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 224.79% | 255.23% | -30.44 pts | See points |
| Dividend payout, year to date | 72.64% | 112.00% | -39.36 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.21% | -0.19% | -0.01 pts | See points |
| Net charge-off rate: Closed-end 1-4 family, first liens | -0.00% | 0.02% | -0.02 pts | See points |
| Net charge-off rate: Closed-end 1-4 family, junior liens | 0.03% | 0.01% | +0.01 pts | See points |
| Net charge-off rate: Home equity lines of credit | Not reported | Not reported | Not reported | See points |
| Net charge-off rate: Other construction and land development | Not reported | Not reported | Not reported | See points |
| Net charge-off rate: Owner-occupied non-farm non-residential | -0.08% | -0.08% | -0.00 pts | See points |
| Net charge-off rate: Other non-farm non-residential | 1.36% | 1.66% | -0.30 pts | See points |
| Net charge-off rate: Commercial and industrial | 3.50% | 5.39% | -1.88 pts | See points |
| Net charge-off rate: Loans to finance agricultural production | Not reported | Not reported | Not reported | See points |
| Net charge-off rate: Credit cards | Not reported | Not reported | Not reported | See points |
| Net charge-off rate: Automobile loans | 2.54% | 2.58% | -0.04 pts | See points |
| Net charge-off rate: All other loans and leases (total less the types above) | 0.60% | 1.14% | -0.54 pts | See points |
| Net charge-off rate: Total loans and leases | 0.85% | 1.08% | -0.23 pts | See points |
| Liquidity | ||||
| Core deposits | $302.6M | $307.5M | -$5.0M | -1.6% |
| Non-core funding | $172.9M | $157.3M | +$15.6M | +9.9% |
| Short-term non-core funding | $43.6M | $57.2M | -$13.6M | -23.8% |
| Net short-term liabilities | $3.9M | $19.7M | -$15.8M | -80.3% |
| Net short-term liabilities to total assets | 0.72% | 3.77% | -3.04 pts | See points |
| Loans to core deposits | 150.89% | 139.83% | +11.05 pts | See points |
| Loans to deposits | 108.57% | 102.92% | +5.66 pts | See points |
| Brokered deposits share of deposits | 20.25% | 18.18% | +2.06 pts | See points |
| Pledged securities share of securities | 70.97% | 71.38% | -0.41 pts | See points |
| Loans pledged, share of loans | 22.39% | 15.03% | +7.36 pts | See points |
| Volatile liabilities | $198.0M | $187.5M | +$10.6M | +5.6% |
| Earnings | ||||
| Earnings before provision, year to date | $3.4M | $1.3M | +$2.2M | +170.1% |
| Earnings before provision, single quarter | $2.2M | $1.3M | +$894K | +70.1% |
| Provision for credit losses, year to date | $1.8M | $900K | +$925K | +102.8% |
| Deposits | ||||
| Transaction accounts | $12.2M | $9.8M | +$2.4M | +24.6% |
| Savings deposits (excluding money market deposit accounts) | $165.3M | $160.7M | +$4.7M | +2.9% |
| Money market deposit accounts | $0K | $0K | $0K | n/a |
| Time deposits (total) | $243.0M | $247.4M | -$4.4M | -1.8% |
| Yield and cost | ||||
| Yield on loans and leases | 7.84% | 7.88% | -0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 3.70% | 3.31% | +0.39 pts | See points |
| Total interest income to average assets | 7.31% | 7.32% | -0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 1.29% | 1.41% | -0.12 pts | See points |
| Cost of savings and money market deposits | 3.31% | 3.29% | +0.01 pts | See points |
| Cost of time deposits | 3.86% | 3.90% | -0.04 pts | See points |
| Yield on loans secured by 1-4 family properties | 6.38% | 6.38% | +0.00 pts | See points |
| Yield on other loans secured by real estate | 9.08% | 9.04% | +0.04 pts | See points |
| Yield on commercial and industrial loans | 8.81% | 8.68% | +0.13 pts | See points |
| Yield on credit card loans | Not reported | Not reported | Not reported | See points |
| Yield on other loans to individuals | 8.78% | 8.79% | -0.01 pts | See points |
| Yield on U.S. Treasury and agency securities | 4.78% | 5.73% | -0.95 pts | See points |
| Yield on mortgage-backed securities | 7.27% | 8.30% | -1.03 pts | See points |
| Yield on all other securities | 7.08% | 3.95% | +3.13 pts | See points |
| Yield on federal funds sold and resale agreements | Not reported | Not reported | Not reported | See points |
| Cost of federal funds purchased and repurchase agreements | Not reported | Not reported | Not reported | See points |
| Cost of other borrowed money | 3.66% | 3.83% | -0.17 pts | See points |
| Average interest-bearing transaction accounts | $5.0M | $3.7M | +$1.3M | +34.9% |
| Average savings and money market deposits | $157.3M | $153.0M | +$4.3M | +2.8% |
| Average time deposits | $237.8M | $243.3M | -$5.5M | -2.3% |
| Average federal funds purchased and repurchase agreements | $0K | $0K | $0K | n/a |
| Average other borrowed money | $52.2M | $23.4M | +$28.8M | +123.3% |
| Total interest expense to average assets | 3.14% | 3.15% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $579M | $433M | $502M | 0.81% | 7.73% | 4.28% |
| 2026-06-30 | $535M | $420M | $459M | 0.63% | 5.89% | 4.30% |
| 2026-03-31 | $522M | $418M | $448M | 0.30% | 2.73% | 4.28% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| RI | $431M | 0.97% | 12 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No current bank holding company is matched to this bank in the Federal Reserve structure data, so there is no certificate table to show. Absence of a match does not prove the bank is independent.
Failures, enforcement actions and asset-quality jumps among banks in the same markets as this bank's branches. These are public records about other institutions, not findings about this bank, and an empty list means none was found in the sources listed, not that none occurred.
Unavailable: none of this bank's branches has a map location, so its markets cannot be identified. Markets are not inferred from the headquarters address.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.