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Shoreham.bank (Domain) Investigation Report

Generated on Jul 22, 2026

Recommendation
Caution
Overall Summary
Suspicious
  Why we think so? 

🏦 Shoreham Bank appears to be a real, operating bank in Rhode Island, not an obvious scam site. The domain has valid SSL, active DNS, a public business footprint, Google Business listings, and recent news coverage about the bank’s 2024 rebrand from Home Loan Investment Bank.

Still, there are consumer trust concerns. Public review sources mention complaints about loan servicing, payment processing, fees, and communication, especially around mortgage and consumer lending. Those complaints do not prove fraud, but they do suggest you should be careful if you plan to borrow or set up payments with them.

Bottom line: the evidence points to a legitimate institution with mixed customer sentiment, so the risk looks more like caution than scam.

Confidence Score Our overall confidence rating for this entity based on public signals, activity, and risk checks.
86%

Risk Insights

🏦

Real bank footprint

  • Google Places lists multiple Rhode Island branch locations.
  • The site has official phone numbers, hours, and a public headquarters address.
  • News coverage ties the domain to a 2024 rebrand from Home Loan Investment Bank.
⚠️

Main concern: servicing complaints

  • Review summaries repeatedly mention loan payment problems and fees.
  • Several complaints focus on communication and support quality.
  • This affects trust, but it is not evidence of a scam by itself.
🛡️

No blacklist hits

  • Google Safe Browsing found no threats.
  • The crypto scam check was negative.
  • That lowers the chance of an obvious malicious site.

Category Scores

Red Flags & Warnings

  • Customer-facing complaints repeatedly mention poor servicing, payment delays, and fee transparency issues.
  • The WHOIS registrant is redacted, so ownership cannot be independently confirmed from registry data alone.

Detailed Checks & Insights

0-100 Scale

Domain is live and resolving

Score: 95
Passed

"Live DNS and TLS are strong basic legitimacy signals."

Reason: The site has active A and AAAA records and a valid SSL certificate, which is consistent with an operating business website.

Ownership and registration look plausible

Score: 72
Passed

"Plausible, but not fully transparent."

Reason: The domain is registered through a real registrar and the WHOIS data aligns with a Rhode Island bank, but ownership is privacy-redacted.

Physical business presence exists

Score: 94
Passed

"This is a strong real-world footprint signal."

Reason: Google Places shows multiple Shoreham Bank locations in Rhode Island with addresses, hours, and phone numbers.

Public reputation is mixed

Score: 48
Failed

"The reputation signal is the main weakness in the evidence set."

Reason: Review summaries cite recurring complaints about loan servicing, fees, and communication, even though there is also some positive feedback.

Safety blacklist checks are clean

Score: 98
Passed

"No direct malware or scam-list hits were found."

Reason: Google Safe Browsing found no threat matches, and the crypto scam blacklist was negative.

Business appears established and covered publicly

Score: 90
Passed

"Public coverage fits a legitimate institution."

Reason: News coverage, trademark records, and local listings support that this is a long-standing Rhode Island bank, including its 2024 rebrand.

Traffic profile is modest but not anomalous

Score: 68
Passed

"Not a red flag on its own."

Reason: Similarweb shows low-to-moderate traffic, mostly from organic search and direct visits, which is reasonable for a regional bank.

Your Next Steps

  • 1

    If you are considering a loan, ask Shoreham Bank in writing about payment posting times, late-fee rules, and any phone or portal payment charges.

  • 2

    Verify any email, text, or phone call by using the official numbers on the bank’s website, not the contact details in the message you received.

  • 3

    Check recent BBB complaints and Google Reviews for the specific branch or product you care about before sending documents or making a payment.

Key Evidence & Citations

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Analyst Briefing

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