FDIC Cert #27417 · Warwick, Rhode Island · Est. 1979

Shoreham Bank - FDIC Bank Health Profile

A community-scale look at Shoreham Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$481M
Total assets
B
Health grade · Good
0.83%
Return on assets
13.1%
Tier 1 capital

Data updated July 2026

The verdict

Shoreham Bank earns a PlainBankData health grade of B (69/100), with well-capitalized at 13.14% Tier 1, 0.83% ROA, 77% efficiency ratio.

#1,842
largest of 4,313 FDIC banks by assets
57th
percentile by asset size, nationally
13.14%
Tier 1 ratio - above the 10% well-capitalized line
32nd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 27417 · RI B · 69/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (69/100)
  • MID-PACK #3116/4307
  • PHOTO-FINISH Texas Regional Bank · TX
  • TIER1-WELL 13.1% Tier 1
  • TEXAS-CLEAN 8.3% Texas
  • ROA-PAR 0.83% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Rhode Island: Texas Regional Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Shoreham Bank

Lowest and highest poles plus nearest scored peers outside Rhode Island, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Century Bank · NM · near69/100Haverhill Bank · MA · near69/100Rio Bank · TX · near69/100Shoreham Bank · RI · this ba…69/100Texas Regional Bank · TX · n…69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Shoreham Bank · July 2026

Plate reading for Shoreham Bank where failures stay rare

Shoreham Bank (FDIC Cert #27417) carries a PlainBankData health grade of B at 69/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,116 of 4,307. Tier 1 capital prints at 13.14%, clearing the 10% well-capitalized line. The Texas Ratio is 8.33%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.83%. Balance-sheet scale is $481M, 1,842nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Texas Regional Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Shoreham Bank

Zero FAILURE resolutions in Rhode Island since 2000

Shoreham Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • OLD STONE SB PROVIDENCE, RI 1993 → CITIZENS SB
  • EASTLAND SAVINGS BANK WOONSOCKET, RI 1992 → FLEET NATIONAL BANK
  • EASTLAND BANK WOONSOCKET, RI 1992 → FLEET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Rhode Island banks.

How Shoreham Bank's 69/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10069/100
Shoreham Bank's composite health score
Tier 1 Capital Ratio (13.14%) 35/40
Return on Assets (ROA) (0.83%) 14/25
Texas Ratio (8.33%) 16/20
Efficiency Ratio (76.63%) 4/15

69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$481M

Total balance-sheet footings

Total Deposits

$406M

Customer-funded liabilities

Net Loans

$414M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.74% 13.14% 14.54%
Basel III capital ratios - Shoreham Bank

Where Shoreham Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Shoreham Bank's score of 69/100 falls in the highlighted band.

Shoreham Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 28th percentile higher than 28% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Shoreham Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Shoreham Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Shoreham Bank's $481M falls in the highlighted band.

Safety metrics: Shoreham Bank

Tier 1 capital ratio
Well-capitalized 10%

13.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.14%
Texas Ratio
8.33%
Equity Capital
$55M

What these ratios mean →

Profitability metrics: Shoreham Bank

Return on Assets (ROA)
32nd percentile nationally
0.83%
Return on Equity (ROE)
7.54%
Efficiency Ratio
76.63%

What these mean →

Income & expense at Shoreham Bank

$39M
Interest Income
$9M
Non-Interest Income
$25M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Shoreham Bank reports a Texas Ratio of 8.33% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.33% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Shoreham Bank on FDIC BankFind →

Top banks in Rhode Island by total assets

Largest banks headquartered in Rhode Island
  1. 1
    Citizens Bank $225.9B

    Providence, RI · Grade B

  2. 2
    The Washington Trust Company, of West… $6.6B

    Westerly, RI · Grade B

  3. 3
    Centreville Bank $3.0B

    West Warwick, RI · Grade B

  4. 4
    BankNewport $3.0B

    Middletown, RI · Grade B

  5. 5
    Shoreham Bank $481M

    Warwick, RI · Grade B

Top 5 banks in Rhode Island ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($481M here), outside Rhode Island so the neighborhood is not state containment.

First State Bank and Trust $481M · KS Hamlin Bank and Trust Company $482M · PA Security State Bank $481M · IA Armor Bank $482M · AR

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Shoreham Bank (FDIC Cert #27417) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Shoreham Bank Call Report profile · FDIC Failed Bank List · Rhode Island FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Rhode Island

All Rhode Island banks →
BankAssetsGradeROA
Citizens Bank, National AssociationProvidence $225.9B B 0.87%
The Washington Trust Company, of WesterlyWesterly $6.6B B 0.80%
Centreville BankWest Warwick $3.0B B 1.01%
BankNewportMiddletown $3.0B B 0.58%
Independence BankEast Greenwich $14M C -5.49%