BlastPoint's Banking Scorecard
Shoreham Bank
Micro
Specialty: Commercial
RI
FDIC cert 27417
Designations: ✓ Community bank
Warwick, RI
2498
banks in Micro tier nationally
2 in RI
View Micro leaderboard (RI) →
Shoreham Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.37% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 27.22% above tier
- - Non-Interest-Bearing Deposit Share 20.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$481.2M
-0.8% YoY
-3.5% QoQ
|
+$263.7M |
$217.5M
+2.3% YoY
|
$39.8B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$413.5M
-1.4% YoY
-1.6% QoQ
|
+$274.4M |
$139.2M
+2.8% YoY
|
$25.4B
+2.6% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$406.4M
-4.2% YoY
-5.3% QoQ
|
+$222.8M |
$183.7M
+1.8% YoY
|
$32.8B
+4.6% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
0.83%
-25.2% YoY
-17.4% QoQ
|
-0.25% |
1.08%
+14.7% YoY
|
-0.23%
-142.5% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
4.83%
-5.1% YoY
-0.1% QoQ
|
+0.98% |
3.85%
+6.6% YoY
|
3.51%
-0.9% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
76.63%
+7.6% YoY
+3.5% QoQ
|
+8.90% |
67.73%
-4.8% YoY
|
68.93%
-10.6% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
1.31%
+55.9% YoY
+19.1% QoQ
|
+0.67% |
0.64%
+24.4% YoY
|
1.19%
+36.1% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
101.75%
+3.0% YoY
+3.9% QoQ
|
+27.22% |
74.53%
+0.5% YoY
|
94.86%
-2.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.80%
-15.1% YoY
-2.8% QoQ
|
-20.59% |
22.39%
-1.3% YoY
|
13.51%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
1.30%
+68.9% YoY
+40.1% QoQ
|
+0.85% |
0.45%
+25.1% YoY
|
0.78%
+39.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
13.14%
+0.7% YoY
+2.4% QoQ
|
+4.29% |
8.85%
-3.4% YoY
|
8.47%
+2.0% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
1.93%
+0.6% YoY
+26.4% QoQ
|
+1.37% |
0.56%
+0.3% YoY
|
0.90%
-13.4% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.93%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
101.75%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
1.80%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Loans
Current: $413.5M · Tier avg: $139.2M
98
98th pctile
Total Assets
Current: $481.2M · Tier avg: $217.5M
97
97th pctile
Non-Interest Income / Assets
Current: 1.93% · Tier avg: 0.56%
97
97th pctile
Total Deposits
Current: $406.4M · Tier avg: $183.7M
88
88th pctile
Net Interest Margin
Current: 4.83% · Tier avg: 3.85%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.14% · Tier avg: 8.85%
36
36th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
26
26th pctile
Efficiency Ratio
Current: 76.63% · Tier avg: 67.73%
22
22th pctile
Delinquency Rate
Current: 1.31% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.30% · Tier avg: 0.45%
7
7th pctile
Loan-to-Deposit Ratio
Current: 101.75% · Tier avg: 74.53%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.80% · Tier avg: 22.39%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.80% · Tier avg: 22.39%
7
7th pctile
Loan-to-Deposit Ratio
Current: 101.75% · Tier avg: 74.53%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.30% · Tier avg: 0.45%
22
22th pctile
Delinquency Rate
Current: 1.31% · Tier avg: 0.64%
26
26th pctile
Efficiency Ratio
Current: 76.63% · Tier avg: 67.73%
36
36th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.14% · Tier avg: 8.85%
88
88th pctile
Net Interest Margin
Current: 4.83% · Tier avg: 3.85%
97
97th pctile
Total Deposits
Current: $406.4M · Tier avg: $183.7M
97
97th pctile
Non-Interest Income / Assets
Current: 1.93% · Tier avg: 0.56%
98
98th pctile
Total Assets
Current: $481.2M · Tier avg: $217.5M
100
100th pctile
Total Loans
Current: $413.5M · Tier avg: $139.2M