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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.
Reported facts
Deterministic ratios for SHOREHAM BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $433M |
|---|---|
| Net loans and leases | $502M |
Plain-language readout
SHOREHAM BANK in Warwick, RI funds its loans with $433M of deposits and holds $502M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for SHOREHAM BANK in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 115.96% in Q3 2026, against 107.18% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $502M | $433M | 115.96% |
| Q2 2026 | $459M | $420M | 109.13% |
| Q1 2026 | $448M | $418M | 107.18% |
Line-by-line detail on this page is rebuilt from the Q2 2026 Call Report schedules and earlier quarters. Peer comparisons use banks with $300 million-$1 billion in assets for the same quarter.
Share of total deposits by account type, by quarter
| Quarter | Transaction accounts | Savings deposits (excluding money market deposit accounts) | Money market deposit accounts | Time deposits (total) |
|---|---|---|---|---|
| Q3 2023 | 4.1% | 34.3% | 0.0% | 61.6% |
| Q4 2023 | 3.6% | 33.5% | 0.0% | 62.9% |
| Q1 2024 | 3.0% | 31.9% | 0.0% | 65.1% |
| Q2 2024 | 2.5% | 30.7% | 0.0% | 66.8% |
| Q3 2024 | 2.4% | 30.7% | 0.0% | 66.9% |
| Q4 2024 | 2.6% | 32.9% | 0.0% | 64.4% |
| Q1 2025 | 3.3% | 32.6% | 0.0% | 64.0% |
| Q2 2025 | 2.3% | 33.9% | 0.0% | 63.8% |
| Q3 2025 | 2.5% | 33.8% | 0.0% | 63.8% |
| Q4 2025 | 2.6% | 37.4% | 0.0% | 60.0% |
| Q1 2026 | 2.4% | 38.4% | 0.0% | 59.2% |
| Q2 2026 | 2.9% | 39.3% | 0.0% | 57.8% |
Source: FFIEC Call Reports; OptimaYield calculations
Single-quarter interest, annualized, over average balances
| Quarter | Yield on loans and leases | Interest expense to average assets | Middle half of peers (loan yield) |
|---|---|---|---|
| Q3 2023 | Not reported | Not reported | Not reported |
| Q4 2023 | 8.89% | 3.13% | 5.47% to 6.59% |
| Q1 2024 | 8.78% | 3.24% | 5.54% to 6.70% |
| Q2 2024 | 8.76% | 3.37% | 5.68% to 6.85% |
| Q3 2024 | 8.84% | 3.58% | 5.88% to 7.07% |
| Q4 2024 | 8.94% | 3.50% | 5.89% to 7.06% |
| Q1 2025 | 8.44% | 3.23% | 5.82% to 6.92% |
| Q2 2025 | 8.66% | 3.24% | 6.00% to 7.10% |
| Q3 2025 | 8.37% | 3.36% | 6.12% to 7.18% |
| Q4 2025 | 8.45% | 3.29% | 6.12% to 7.15% |
| Q1 2026 | 7.88% | 3.15% | 6.03% to 6.96% |
| Q2 2026 | 7.84% | 3.14% | 6.14% to 7.04% |
Source: FFIEC Call Reports; OptimaYield calculations
Single-quarter interest, annualized, over the quarter's average balance in each category
| Quarter | 1-4 family mortgages | Other real estate | Commercial and industrial | Other consumer |
|---|---|---|---|---|
| Q3 2023 | Not reported | Not reported | Not reported | Not reported |
| Q4 2023 | 6.48% | 12.24% | 7.48% | 9.20% |
| Q1 2024 | 6.46% | 11.60% | 7.71% | 9.24% |
| Q2 2024 | 6.64% | 11.42% | 8.47% | 9.27% |
| Q3 2024 | 6.51% | 11.75% | 8.34% | 9.47% |
| Q4 2024 | 7.43% | 10.85% | 8.53% | 9.44% |
| Q1 2025 | 6.59% | 10.53% | 8.79% | 9.19% |
| Q2 2025 | 6.55% | 11.17% | 8.66% | 9.28% |
| Q3 2025 | 6.56% | 10.00% | 8.95% | 9.29% |
| Q4 2025 | 6.59% | 10.38% | 8.89% | 9.11% |
| Q1 2026 | 6.38% | 9.04% | 8.68% | 8.79% |
| Q2 2026 | 6.38% | 9.08% | 8.81% | 8.78% |
Source: FFIEC Call Reports; OptimaYield calculations
Single-quarter interest and dividends, annualized, over average balances; amortized cost basis not available, so fair-value swings can move these
| Quarter | Treasury and agency | Mortgage-backed | All other securities |
|---|---|---|---|
| Q3 2023 | Not reported | Not reported | Not reported |
| Q4 2023 | 5.84% | 3.54% | 3.54% |
| Q1 2024 | 5.78% | 4.64% | 3.42% |
| Q2 2024 | 5.90% | 3.88% | 4.06% |
| Q3 2024 | 5.58% | 4.00% | 4.12% |
| Q4 2024 | 5.65% | 3.17% | 4.12% |
| Q1 2025 | 5.52% | 4.58% | 4.14% |
| Q2 2025 | 5.69% | 6.12% | 4.12% |
| Q3 2025 | 5.76% | 6.64% | 4.16% |
| Q4 2025 | 5.74% | 7.19% | 3.97% |
| Q1 2026 | 5.73% | 8.30% | 3.95% |
| Q2 2026 | 4.78% | 7.27% | 7.08% |
Source: FFIEC Call Reports; OptimaYield calculations
Single-quarter interest expense, annualized, over the quarter's average balance of each funding source
| Quarter | Savings and money market | Time deposits | Other borrowed money |
|---|---|---|---|
| Q3 2023 | Not reported | Not reported | Not reported |
| Q4 2023 | 4.54% | 3.19% | 5.69% |
| Q1 2024 | 4.56% | 3.39% | 5.58% |
| Q2 2024 | 4.61% | 3.63% | 5.72% |
| Q3 2024 | 4.67% | 3.95% | 5.50% |
| Q4 2024 | 4.15% | 4.04% | 4.48% |
| Q1 2025 | 3.64% | 3.80% | 4.54% |
| Q2 2025 | 3.66% | 3.85% | 3.07% |
| Q3 2025 | 3.62% | 4.10% | 3.08% |
| Q4 2025 | 3.48% | 4.07% | 3.20% |
| Q1 2026 | 3.29% | 3.90% | 3.83% |
| Q2 2026 | 3.31% | 3.86% | 3.66% |
Source: FFIEC Call Reports; OptimaYield calculations
Share of average interest-bearing funding by source, by quarter
| Quarter | Transaction accounts | Savings and money market | Time deposits | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|---|
| Q3 2023 | 2.1% | 34.9% | 62.2% | 0.0% | 0.8% |
| Q4 2023 | 1.9% | 33.2% | 61.9% | 0.0% | 3.0% |
| Q1 2024 | 1.7% | 31.6% | 64.0% | 0.0% | 2.8% |
| Q2 2024 | 1.1% | 31.3% | 67.0% | 0.0% | 0.6% |
| Q3 2024 | 0.9% | 30.8% | 66.6% | 0.0% | 1.7% |
| Q4 2024 | 0.9% | 32.2% | 66.8% | 0.0% | 0.1% |
| Q1 2025 | 0.9% | 33.4% | 63.4% | 0.0% | 2.3% |
| Q2 2025 | 1.0% | 32.9% | 63.8% | 0.0% | 2.3% |
| Q3 2025 | 0.9% | 33.6% | 63.2% | 0.0% | 2.3% |
| Q4 2025 | 0.9% | 34.2% | 62.3% | 0.0% | 2.7% |
| Q1 2026 | 0.9% | 36.1% | 57.5% | 0.0% | 5.5% |
| Q2 2026 | 1.1% | 34.8% | 52.6% | 0.0% | 11.5% |
Source: FFIEC Call Reports; OptimaYield calculations
Deposits
| Type | Amount | Share of deposits | Peer median share | Position among peers | Call Report fields |
|---|---|---|---|---|---|
| Transaction accounts | $12.2M | 2.90% | 39.46% | No band 1st percentile of 1433 peers | RCON2215 |
| Savings deposits (excluding money market deposit accounts) | $165.3M | 39.32% | 10.09% | No band 96th percentile of 1433 peers | RCON0352 |
| Money market deposit accounts | $0K | 0.00% | 15.41% | No band 0th percentile of 1433 peers | RCON6810 |
| Time deposits (total) | $243.0M | 57.78% | 30.12% | No band 95th percentile of 1433 peers | RCON2385, RCON0352, RCON6810 |
| Time deposits of $250,000 or less | $210.2M | 49.98% | 20.07% | No band 96th percentile of 1433 peers | RCON6648, RCONJ473 |
| Time deposits over $250,000 | $32.8M | 7.80% | 8.79% | No band 43rd percentile of 1433 peers | RCONJ474 |
| Total deposits | $420.5M | 100.00% | Not reported | Not reported | RCON2200 |
| IRA and Keogh plan accounts (memo) | $18.6M | 4.43% | Not reported | Not reported | RCON6835 |
| Volatile liabilities | $198.0M | 47.10% | Not reported | Not reported | RCON2365, RCONJ474, RCONK220, RCON3190, RCONK223 |
The types above add up to total deposits. Volatile liabilities. OptimaYield definition: brokered deposits + time deposits over $250K - brokered over $250K (counted twice otherwise) + listing-service deposits + other borrowed money, fed funds purchased, repurchase agreements and subordinated debt.
Pricing
| Category | Q2 2026 | Q1 2026 | Peer median | Position among peers | Change |
|---|---|---|---|---|---|
| Yield on loans and leases | 7.84% | 7.88% | 6.57% | No band 95th percentile of 1429 peers | -0.04 pts |
| Yield on interest-bearing balances due from banks | 3.70% | 3.31% | 3.67% | No band 57th percentile of 1429 peers | +0.39 pts |
| Total interest income to average assets | 7.31% | 7.32% | 5.36% | No band 95th percentile of 1435 peers | -0.01 pts |
| Cost of interest-bearing transaction accounts | 1.29% | 1.41% | 0.96% | 36–50% 63rd percentile of 1413 peers, lower is better | -0.12 pts |
| Cost of savings and money market deposits | 3.31% | 3.29% | 1.51% | Bottom 20% 95th percentile of 1426 peers, lower is better | +0.01 pts |
| Cost of time deposits | 3.86% | 3.90% | 3.53% | Bottom 20% 86th percentile of 1427 peers, lower is better | -0.04 pts |
| Yield on loans secured by 1-4 family properties | 6.38% | 6.38% | Not reported | Not reported | +0.00 pts |
| Yield on other loans secured by real estate | 9.08% | 9.04% | Not reported | Not reported | +0.04 pts |
| Yield on commercial and industrial loans | 8.81% | 8.68% | Not reported | Not reported | +0.13 pts |
| Yield on credit card loans | Not reported | Not reported | Not reported | Not reported | Not reported |
| Yield on other loans to individuals | 8.78% | 8.79% | Not reported | Not reported | -0.01 pts |
| Yield on U.S. Treasury and agency securities | 4.78% | 5.73% | Not reported | Not reported | -0.95 pts |
| Yield on mortgage-backed securities | 7.27% | 8.30% | Not reported | Not reported | -1.03 pts |
| Yield on all other securities | 7.08% | 3.95% | Not reported | Not reported | +3.13 pts |
| Yield on federal funds sold and resale agreements | Not reported | Not reported | Not reported | Not reported | Not reported |
| Cost of federal funds purchased and repurchase agreements | Not reported | Not reported | Not reported | Not reported | Not reported |
| Cost of other borrowed money | 3.66% | 3.83% | Not reported | Not reported | -0.17 pts |
| Average interest-bearing transaction accounts | 4959.00% | 3677.00% | Not reported | Not reported | +1282.00 pts |
| Average savings and money market deposits | 157266.00% | 152964.00% | Not reported | Not reported | +4302.00 pts |
| Average time deposits | 237842.00% | 243326.00% | Not reported | Not reported | -5484.00 pts |
| Average federal funds purchased and repurchase agreements | 0.00% | 0.00% | Not reported | Not reported | 0.00 pts |
| Average other borrowed money | 52203.00% | 23378.00% | Not reported | Not reported | +28825.00 pts |
| Total interest expense to average assets | 3.14% | 3.15% | 1.63% | Bottom 20% 97th percentile of 1435 peers, lower is better | -0.00 pts |
Each rate takes the quarter's interest (year-to-date interest less the prior quarter's year to date), annualizes it by multiplying by four, and divides by the quarter's average balance. Peer rates by category are not shown yet.
Loans
| Bucket | Amount | Call Report fields |
|---|---|---|
| Closed-end 1-4 family first liens: 3 months or less | $1.2M | RCONA564 |
| Closed-end 1-4 family first liens: Over 3 months through 12 months | $3.2M | RCONA565 |
| Closed-end 1-4 family first liens: Over 1 year through 3 years | $19.9M | RCONA566 |
| Closed-end 1-4 family first liens: Over 3 years through 5 years | $15.0M | RCONA567 |
| Closed-end 1-4 family first liens: Over 5 years through 15 years | $5.4M | RCONA568 |
| Closed-end 1-4 family first liens: Over 15 years | $115.2M | RCONA569 |
| All other loans and leases: 3 months or less | $150.1M | RCONA570 |
| All other loans and leases: Over 3 months through 12 months | $1.6M | RCONA571 |
| All other loans and leases: Over 1 year through 3 years | $19.2M | RCONA572 |
| All other loans and leases: Over 3 years through 5 years | $30.4M | RCONA573 |
| All other loans and leases: Over 5 years through 15 years | $78.4M | RCONA574 |
| All other loans and leases: Over 15 years | $23.9M | RCONA575 |
| Item | Amount | Call Report fields |
|---|---|---|
| Held for sale: nonaccrual | $0K | RCONC226 |
| Held for sale: 30-89 days past due | $0K | RCONC240 |
| Held for sale: 90+ days past due | $0K | RCONC241 |
| Additions to nonaccrual assets during the quarter | $4.8M | RCONC410 |
| Nonaccrual assets sold during the quarter | $0K | RCONC411 |
| Paycheck Protection Program loans outstanding | $0K | RCONLG27 |
| Extensions of credit to executive officers, directors and principal shareholders | $0K | RCON6164 |
| Loans and leases pledged | $102.2M | RCONG378 |
| Loans pledged, share of loans Loans pledged as collateral divided by loans and leases net of unearned income. | 22.39% | RCONG378, RCONB528 |
| Adjustable-rate share of closed-end 1-4 family first liens Adjustable-rate closed-end loans secured by 1-4 family first liens divided by all such first liens. Other loan types do not report their fixed or adjustable split. | 25.87% | RCON5370, RCON5367 |
| Nonperforming loans to net charge-offs (years of charge-offs) Nonaccrual plus 90-day past due loans divided by one year of net charge-offs (year to date, annualized): how many years of current charge-offs the problem loans represent. Withheld when net charge-offs are not positive (net recoveries or none). | 1.3x | RCON1403, RCON1407, RIAD4635, RIAD4605 |
| Loan type | Ending balance | Charge-offs | Recoveries | Net charge-offs | Annualized net charge-off rate |
|---|---|---|---|---|---|
| Closed-end 1-4 family, first liens | $160.8M | $35K | $38K | -$3K | -0.00% |
| Closed-end 1-4 family, junior liens | $52.8M | $14K | $7K | $7K | 0.03% |
| Home equity lines of credit | $0K | $0K | $0K | $0K | Not reported |
| Other construction and land development | $0K | $0K | $0K | $0K | Not reported |
| Owner-occupied non-farm non-residential | $9.4M | $0K | $4K | -$4K | -0.08% |
| Other non-farm non-residential | $136.9M | $928K | $0K | $928K | 1.36% |
| Commercial and industrial | $15.2M | $268K | $2K | $266K | 3.50% |
| Loans to finance agricultural production | $0K | $0K | $14K | -$14K | Not reported |
| Credit cards | $0K | $0K | $0K | $0K | Not reported |
| Automobile loans | $55.0M | $734K | $35K | $699K | 2.54% |
| All other loans and leases (total less the types above) | $38.7M | Not itemized | Not itemized | $116K | 0.60% |
| Total loans and leases | $468.8M | $2.1M | $103K | $2.0M | 0.85% |
Charge-offs and recoveries are year to date and the rate is annualized from the months elapsed, measured against each loan type's ending balance because the filing carries no average balance by type. Allowance for credit losses is reported only in total, so it cannot be split by loan type.