Shoreham Bank vs Washington Tr Co of Westerly
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 Washington Tr Co of Westerly at 66/100 (B), a difference of 2 points. Shoreham Bank holds a Tier 1 capital ratio of 13.83% and an NPL ratio of 1.02%.
| Metric | Shoreham Bank | Washington Tr Co of Westerly |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 68/100 (B)* | 66/100 (B) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 13.8%* | 10.9% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 1.0% | 0.5%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 11.4% | 14.8%* |
| Return on Assets Profitability metric (above 1% is strong) | 0.9%* | 0.8% |
| Total Assets | $469M | $7.2B |
| Total Deposits | $413M | $5.0B |
| Location | Warwick, Rhode Island | Westerly, Rhode Island |
Shoreham Bank has a stronger Bank Health Score of 68/100 (B) compared to Washington Tr Co of Westerly at 66/100 (B), a difference of 2 points. Shoreham Bank holds a Tier 1 capital ratio of 13.83% and an NPL ratio of 1.02%.