BlastPoint's Banking Scorecard
Shoreham Bank
Warwick, RI
4 branches across RI
Shoreham Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.35% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.1% in tier
- - Deposit Outflow: Bottom 38.7% in tier
- - Capital Constraint: Bottom 76.8% in tier
- - Return on Assets 0.97% below tier average
- - Non-Interest-Bearing Deposit Share 19.74% below tier average
- - Delinquency Rate 0.53% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$522.0M
+5.7% YoY
+8.5% QoQ
|
+$136.0M |
$386.1M
+0.5% YoY
|
$48.0B
+3.2% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$447.8M
+6.4% YoY
+8.3% QoQ
|
+$192.1M |
$255.7M
+1.1% YoY
|
$30.8B
+3.6% YoY
|
$3.2B
+10.8% YoY
|
84% |
| Total Deposits ? |
$417.8M
-3.3% YoY
+2.8% QoQ
|
+$89.9M |
$328.0M
+0.1% YoY
|
$39.4B
+3.1% YoY
|
$4.8B
+8.2% YoY
|
71% |
| Return on Assets ? |
0.30%
-76.3% YoY
-64.1% QoQ
|
-0.97% |
1.27%
+12.9% YoY
|
0.68%
-17.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.8% in tier |
| Net Interest Margin ? |
4.28%
-11.2% YoY
-11.5% QoQ
|
+0.35% |
3.93%
+6.0% YoY
|
3.29%
+0.8% YoY
|
3.89%
+5.7% YoY
|
72% |
| Efficiency Ratio ? |
80.17%
+13.2% YoY
+4.6% QoQ
|
+14.89% |
65.29%
-4.5% YoY
|
70.02%
-1.7% YoY
|
66.95%
-4.1% YoY
|
15% |
| Delinquency Rate ? |
1.41%
+67.3% YoY
+8.0% QoQ
|
+0.53% |
0.89%
+18.8% YoY
|
1.32%
+48.5% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
107.18%
+10.0% YoY
+5.3% QoQ
|
+30.54% |
76.64%
+0.8% YoY
|
96.02%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 3.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.28%
-6.1% YoY
+26.4% QoQ
|
-19.74% |
22.02%
-1.0% YoY
|
13.45%
-5.6% YoY
|
22.01%
-1.2% YoY
|
Bottom 1.7% in tier |
| Nonperforming Asset Ratio ? |
1.35%
+79.1% YoY
+3.7% QoQ
|
+0.71% |
0.64%
+19.7% YoY
|
1.03%
+53.4% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.5% in tier |
| Tier 1 Capital Ratio ? |
12.86%
-1.0% YoY
-2.1% QoQ
|
-2.97% |
15.83%
+1.5% YoY
|
12.63%
-1.2% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.25%
-54.7% YoY
-87.1% QoQ
|
-0.03% |
0.28%
+9.3% YoY
|
0.18%
-25.2% YoY
|
0.32%
+4.1% YoY
|
Top 9.3% in tier |
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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 (0)
Concerns (3)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.