HOME LOAN & INVESTMENT ASSOCIATION

WARWICK, RI · Supervised by FDIC

Est. 1979FDIC #27,417RSSD: FDIC-27417

Part ofJAMESTOWN TRUST#3→ View all charters

Satisfactory Up

Current rating · Exam: August 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.30%

Institution Profile

FDIC BankFind

Website

www.shoreham.bank

Address

1 Shoreham Way, WARWICK, RI

County

Kent County

Established

January 1, 1979

Total Assets

$522M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$522M

Total Deposits

$418M

Net Loans

$448M

Net Income

$375K

ROA

0.30%

ROE

2.73%

Risk-Based Capital

14.13%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$431M

1-Year Change

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

1 previous rating locked — dating back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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