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BDI
SB

Shoreham Bank

Warwick, Rhode IslandFDIC Cert #27417

OCCEstablished 19794 branches

Holding company: JAMESTOWN TRUST#3Regulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$9.41M
Investor CRE$154M
Multifamily$0
Construction$0
1–4 family$190M
C&I$9.06M
Agriculture$0
Other$94.9M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$458M
+6.3%y/y
Percentile by value64th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$448M
+6.4%y/y
Percentile by value62nd percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSNET
Loans YoY
+6.37%
−46.2%y/y
Percentile by value63rd percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSNET
L/D
107.2%
+10.0%y/y
Percentile by value91st percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSNET + DEP
Loans/assets
85.8%
+0.7%y/y
Percentile by value93rd percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSNET + ASSET
RE loans %
77.28%
+4.8%y/y
Percentile by value5th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
255%
+25.7%y/y
Percentile by value86th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
0%
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,868points
+5.8%y/y
Peer standing69th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
2.06%
+10.1%y/y
Percentile by value24th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNRENROW + LNLSGR
Investor CRE %
33.64%
+19.6%y/y
Percentile by value98th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNRENROT + LNLSGR
C&I %
1.98%
−18.6%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNCI + LNLSGR