Shoreham Bank

Shoreham Bank is a currently active commercial lending specialization banking institution headquartered in Warwick, Rhode Island. Established in 01/01/1979, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Shoreham Bank manages $522.0M in total assets and holds $417.8M in customer deposits. When evaluating the stability of Shoreham Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 10.50%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.30%, while its Return on Equity (ROE) sits at 2.73%. These metrics result in a moderate health score of 5.7 out of 10, suggesting standard financial stability and adequate capital levels in line with industry averages.