Shoreham Bank is a savings bank headquartered in Warwick, Rhode Island, in business for about 47 years. At the end of Q2 2026 it reported $534.8M in total assets and $420.5M in deposits, with 4 offices.
Shoreham Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,650 banks with $100 million – $1 billion. Among 5 banks headquartered in Rhode Island, it ranks 4th. Problem-loan coverage contributes the most (84/100, 8.1%); earnings contributes the least (45/100, 0.63%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 10 points (68 → 58), mostly because the earnings component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 65 |
| Q4 2024 | 67 |
| Q1 2025 | 69 |
| Q2 2025 | 68 |
| Q3 2025 | 63 |
| Q4 2025 | 60 |
| Q1 2026 | 54 |
| Q2 2026 | 58 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.67% |
| Q3 2024 | 11.09% |
| Q4 2024 | 11.00% |
| Q1 2025 | 11.14% |
| Q2 2025 | 10.98% |
| Q3 2025 | 10.78% |
| Q4 2025 | 11.20% |
| Q1 2026 | 11.17% |
| Q2 2026 | 10.65% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.02% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.78% |
| Q3 2025 | 1.07% |
| Q4 2025 | 1.28% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.12% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.91% |
| Q3 2024 | 1.00% |
| Q4 2024 | 1.11% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.21% |
| Q3 2025 | 1.01% |
| Q4 2025 | 0.83% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $534.8M | 10.65% | 1.12% | 0.63% | 109.1% |
| Q1 2026 | 54 | $522.0M | 11.17% | 1.38% | 0.30% | 107.2% |
| Q4 2025 | 60 | $481.2M | 11.20% | 1.28% | 0.83% | 101.7% |
| Q3 2025 | 63 | $498.8M | 10.78% | 1.07% | 1.01% | 97.9% |
| Q2 2025 | 68 | $502.7M | 10.98% | 0.78% | 1.21% | 100.6% |
| Q1 2025 | 69 | $494.1M | 11.14% | 0.83% | 1.26% | 97.4% |
| Q4 2024 | 67 | $485.3M | 11.00% | 0.82% | 1.11% | 98.8% |
| Q3 2024 | 65 | $496.2M | 11.09% | 0.96% | 1.00% | 100.9% |
| Q2 2024 | 66 | $469.1M | 11.67% | 1.02% | 0.91% | 96.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Deposit insurance
Is my money safe at Shoreham Bank?
Yes. Shoreham Bank is an FDIC-insured institution (FDIC certificate #27417). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.9% of deposits ($45.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.99% (benchmark: 10%).
4 locations
Branches
Shoreham Bank lists 3 offices in 2 cities. Most locations:
- Warwick, RI (2)
- Providence, RI (1)
Identity & history
Profile
- Legal name
- Shoreham Bank
- Former names
- Home Loan Investment Bank, F.S.B.; Home Loan and Investment Bank, F.S.B.; Home Loan & Investment Association; Ocean Bank, FSB
- Type
- Savings bank
- FDIC certificate #
- 27417
- RSSD ID
- 724904
- Primary regulator
- OCC
- Holding company
- Jamestown Trust#3
- Established
- January 1, 1979
- Headquarters
- 1 Shoreham Way, Warwick, RI 02886
- Website
- www.shoreham.bank
- Employees
- 101
Quick answers
Shoreham Bank: common questions
Is Shoreham Bank FDIC insured?
Yes. Shoreham Bank is an FDIC-insured institution (FDIC certificate #27417). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Shoreham Bank's TellerScore?
58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Shoreham Bank ever failed?
There is no failure record for FDIC certificate #27417 in the FDIC failed bank list.
How many branches does Shoreham Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Warwick
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Natco Employees Federal Credit UnionCredit union West Warwick, RI | 93 out of 100, Very strong | $208K | 17.4% | 0.00% | vs |
| Attleboro M E Federal Credit UnionCredit union Attleboro, MA | 90 out of 100, Very strong | $24.6M | 13.7% | 0.13% | vs |
| Charter Oak Federal Credit UnionCredit union Waterford, CT | 85 out of 100, Very strong | $1.7B | 12.5% | 0.50% | vs |
| First Citizens' Federal Credit UnionCredit union Fairhaven, MA | 83 out of 100, Strong | $705.9M | 20.2% | 0.77% | vs |
| Somerset Federal Credit UnionCredit union Somerset, MA | 78 out of 100, Strong | $263.3M | 12.5% | 0.19% | vs |
| Cumberland Municipal Employees Federal Credit UnionCredit union Cumberland, RI | 78 out of 100, Strong | $9.2M | 19.3% | 0.95% | vs |