SHOREHAM BANK
WARWICK, RHODE ISLAND · FDIC Cert #27417
Capital & Safety Analysis
According to FDIC financial data, SHOREHAM BANK holds a Tier 1 capital ratio of 13.83%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning SHOREHAM BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
SHOREHAM BANK shows strong financial health indicators. With $469M in assets and a Health Score of 68/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
SHOREHAM BANK has a Bank Health Score of B (68/100). It holds a Tier 1 capital ratio of 13.83%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
SHOREHAM BANK holds $469M in total assets and $413M in total deposits. It is located in WARWICK, RHODE ISLAND (FDIC Certificate #27417).
SHOREHAM BANK has a Tier 1 capital ratio of 13.83%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.02%, and the return on assets is 0.91%.
Yes. SHOREHAM BANK is FDIC-insured (Certificate #27417). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.