BlastPoint's Banking Scorecard

Shoreham Bank

$100M-$1B Specialty: Commercial RI FDIC cert 27417

Warwick, RI

4 branches across RI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 1 in RI.
Deposits -2.4% year over year ($420.5M on the books).
Delinquency rate 1.15%.
Return on assets 0.63%.
Efficiency ratio 76.56% vs a 64.48% peer average.
Loan-to-deposit ratio 109.13% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 1 in RI

View $100M-$1B leaderboard (RI) →

Shoreham Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 36.6% in tier
+ Net Interest Margin 0.31% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 39.6% in tier
- Loan-to-Deposit Ratio 31.18% above tier average
- Non-Interest-Bearing Deposit Share 18.37% below tier average
- ROA 0.69% below tier average
- Efficiency Ratio 12.08% above tier average

Get updates when Shoreham Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Total Assets ?	$534.8M +6.4% YoY +2.4% QoQ	+$148.2M	$386.6M +1.2% YoY	$49.2B +6.4% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$458.9M +5.8% YoY +2.5% QoQ	+$200.5M	$258.3M +1.7% YoY	$31.5B +5.4% YoY	$3.2B +9.4% YoY	Top 15.0% in tier
Total Deposits ?	$420.5M -2.4% YoY +0.6% QoQ	+$93.7M	$326.7M +0.7% YoY	$39.9B +5.6% YoY	$4.9B +7.3% YoY	72%
Return on Assets ?	0.63% -47.7% YoY +111.2% QoQ	-0.69%	1.32% +10.8% YoY	0.89% +5.4% YoY	1.30% +12.1% YoY	16%
Net Interest Margin ?	4.30% -13.0% YoY +0.5% QoQ	+0.31%	3.99% +5.0% YoY	3.33% +0.4% YoY	3.95% +4.9% YoY	70%
Efficiency Ratio ?	76.56% +6.6% YoY -4.5% QoQ	+12.08%	64.48% -3.2% YoY	67.51% -2.4% YoY	70.05% +2.5% YoY	18%
Delinquency Rate ?	1.15% +44.7% YoY -18.8% QoQ	+0.23%	0.92% +15.7% YoY	1.21% +42.1% YoY	0.98% +16.3% YoY	25%
Loan-to-Deposit Ratio ?	109.13% +8.4% YoY +1.8% QoQ	+31.18%	77.95% +1.0% YoY	97.46% +0.7% YoY	79.03% +2.3% YoY	Bottom 3.4% in tier
Non-Interest-Bearing Deposit Share ?	3.66% +113.9% YoY +60.9% QoQ	-18.37%	22.03% -0.6% YoY	14.19% -0.4% YoY	21.98% -0.6% YoY	Bottom 2.6% in tier
Nonperforming Asset Ratio ?	0.99% +43.0% YoY -26.4% QoQ	+0.32%	0.67% +16.4% YoY	0.93% +44.3% YoY	0.69% +15.8% YoY	21%
Tier 1 Capital Ratio ?	12.73% -1.7% YoY -1.0% QoQ	-3.18%	15.91% +1.4% YoY	12.58% -0.8% YoY	17.09% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.77% -25.7% YoY +211.6% QoQ	+0.21%	0.57% +7.6% YoY	0.43% -12.1% YoY	0.66% +5.2% YoY	Top 5.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Noninterest-Bearing	3.7% +1.9pp YoY +1.4pp QoQ	-18.5pp	22.1%	14.2%	22.2%	2%
Brokered Deposits	20.2% +0.7pp YoY +2.1pp QoQ	+12.4pp	7.9%	9.0%	8.5%	91%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
C&I	3.3% +1.2pp YoY +1.3pp QoQ	-8.2pp	11.6%	10.0%	12.5%	11%
CRE	n/a	n/a	39.5%	42.3%	41.4%	n/a
1-4 Family	46.5% +3.5pp YoY +4.1pp QoQ	+13.9pp	32.6%	39.9%	31.3%	79%
Consumer	20.4% -3.1pp YoY -0.8pp QoQ	+16.3pp	4.1%	6.5%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
CET1 Ratio	12.7% -0.2pp YoY -0.1pp QoQ	-6.1pp	18.8%	12.4%	19.7%	24%
Leverage Ratio	10.7% -0.3pp YoY -0.5pp QoQ	-1.5pp	12.2%	10.6%	12.6%	44%
Total Capital Ratio	14.0% -0.2pp YoY -0.1pp QoQ	-5.9pp	19.9%	13.6%	20.8%	26%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Full-Time Employees	101 -7 (-6.5%) YoY 0 QoQ	+42	58	3,737	482	87%
Assets per Employee ($)	$5.3M +13.8% YoY +2.4% QoQ	-$2.2M	$7.5M	$9.9M	$8.8M	19%
Branch Count	4 0 YoY 0 QoQ	-1	4	210	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	1.1% +0.4pp YoY -0.3pp QoQ	+0.2pp	0.9%	1.1%	1.0%	75%
Allowance Coverage	1.88x -35.3% YoY +22.2% QoQ	-22.27x	24.15x	1.06x	20.23x	46%
Net Charge-off Rate (YTD)	0.9% +0.5pp YoY -0.2pp QoQ	+0.7pp	0.1%	0.3%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
ROE	5.9% -5.1pp YoY +3.2pp QoQ	-6.3pp	12.2%	8.1%	11.6%	16%
Cost of Funds (YTD)	3.2% -0.1pp YoY 0.0pp QoQ	+1.5pp	1.7%	2.3%	1.7%	99%
Net Income ($, YTD)	$1.6M -45.7% YoY — QoQ	-$936K	$2.6M	$238.8M	$40.4M	44%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#243 of 661 • Top 36.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.77%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.63%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk

#372 of 936 • Bottom 39.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

134

Non-Interest Income / Assets

revenue_mix

Value: 0.77%

Peer Median: 0.57%

#134 of 2643 Top 5.0% in $100M-$1B

397

Total Loans

size

Value: $458.87M

Peer Median: $258.35M

#397 of 2643 Top 15.0% in $100M-$1B

Top Weaknesses (5 metrics)

2574

Non-Interest-Bearing Deposit Share

funding

Value: 3.66%

Peer Median: 22.03%

#2574 of 2643 Bottom 2.6% in $100M-$1B

2554

Loan-to-Deposit Ratio

liquidity

Value: 109.13%

Peer Median: 77.95%

#2554 of 2643 Bottom 3.4% in $100M-$1B

2215

Return on Assets

profitability

Value: 0.63%

Peer Median: 1.32%

#2215 of 2643 Bottom 16.2% in $100M-$1B

2169

Efficiency Ratio

profitability

Value: 76.56%

Peer Median: 64.48%

#2169 of 2643 Bottom 18.0% in $100M-$1B

2100

Nonperforming Asset Ratio

credit_quality

Value: 0.99%

Peer Median: 0.67%

#2100 of 2643 Bottom 20.6% in $100M-$1B