Shoreham Bank is a bank based in Warwick, Rhode Island, established in 1979, with $522 million in total assets across 4 branches. By Trust Grade it ranks 4th of 6 banks we track in Rhode Island. Its capital ratio of 10.5% is stronger than 56% of similarly sized banks, versus a Rhode Island median of 11.1%. It was profitable over the most recent period, with a 0.30% return on assets. No consumer complaints against Shoreham Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Shoreham Bank compares to Rhode Island peers
How we graded Shoreham Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.5% capital ratio)
- Profitable (ROA 0.30%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Shoreham Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 1 Shoreham Way, Warwick, RI 02886
- 2381 Post Rd, Warwick, RI 02886
- 187 Wickenden St, Providence, RI 02903
- 3803 Post Rd, Warwick, RI 02886
Are deposits at Shoreham Bank insured?
Yes. Shoreham Bank is an FDIC-insured bank (FDIC certificate #27417). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Shoreham Bank: frequently asked questions
Is Shoreham Bank a good bank?
Shoreham Bank earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (10.5% capital ratio); Profitable (ROA 0.30%).
Is Shoreham Bank FDIC-insured?
Yes. Shoreham Bank is a FDIC-insured bank (FDIC certificate #27417). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Shoreham Bank?
Shoreham Bank holds $522 million in total assets, ranking 4th of 6 banks we track in Rhode Island. It operates 4 branches.
Does Shoreham Bank have CFPB complaints?
No CFPB complaints against Shoreham Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
