Shoreham Bank vs Bank Rhode Island
Side-by-side bank health comparison using FDIC financial data
Verdict
Shoreham Bank has a stronger Bank Health Score of 68/100 (B) compared to Bank Rhode Island at 61/100 (C), a difference of 7 points. Shoreham Bank holds a Tier 1 capital ratio of 13.83% and an NPL ratio of 1.02%.
| Metric | Shoreham Bank | Bank Rhode Island |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 68/100 (B)* | 61/100 (C) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 13.8%* | 10.4% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 1.0% | 0.7%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 11.4%* | 10.8% |
| Return on Assets Profitability metric (above 1% is strong) | 0.9% | 1.2%* |
| Total Assets | $469M | $3.4B |
| Total Deposits | $413M | $2.5B |
| Location | Warwick, Rhode Island | Providence, Rhode Island |
Shoreham Bank has a stronger Bank Health Score of 68/100 (B) compared to Bank Rhode Island at 61/100 (C), a difference of 7 points. Shoreham Bank holds a Tier 1 capital ratio of 13.83% and an NPL ratio of 1.02%.