| Metric | Shoreham Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.9% | +1.5 pts |
| Deposit growth (YoY) | -2.4% | +4.3% | -6.8 pts |
| Loan growth (YoY) | +5.8% | +5.3% | +0.4 pts |
| ROA | 0.63% | 1.28% | -0.6 pts |
| ROE | 5.9% | 12.4% | -6.5 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $534.8M | $420.5M | $458.9M | $55.3M | $1.6M | 0.63% | 4.30% | 0.99% |
| Q1 2026 | $522.0M | $417.8M | $447.8M | $54.8M | $375K | 0.30% | 4.28% | 1.35% |
| Q4 2025 | $481.2M | $406.4M | $413.5M | $54.9M | $4.1M | 0.83% | 4.83% | 1.30% |
| Q3 2025 | $498.8M | $429.2M | $420.2M | $54.5M | $3.7M | 1.01% | 4.84% | 0.93% |
| Q2 2025 | $502.7M | $431.0M | $433.7M | $54.7M | $3.0M | 1.21% | 4.94% | 0.69% |
| Q1 2025 | $494.1M | $432.2M | $421.0M | $54.1M | $1.5M | 1.26% | 4.82% | 0.75% |
| Q4 2024 | $485.3M | $424.5M | $419.2M | $53.4M | $5.1M | 1.11% | 5.09% | 0.77% |
| Q3 2024 | $496.2M | $427.1M | $431.1M | $53.4M | $3.4M | 0.99% | 5.06% | 0.88% |
Loan mix (Q2 2026): real estate $359.9M · commercial $15.2M · consumer $93.7M · securities $15.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Shoreham Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.28% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 12.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 61.2% | 86th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Shoreham Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Shoreham Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Shoreham Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Shoreham Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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