Shore United Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Shore United Bank, N.A.. Its balance sheet stood at $6.1 billion at June 30, 2026, up 1.9% from a year earlier; it is based in Easton, Maryland. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.32% of loans from 0.35% a year earlier. It holds about a fifth of its deposits (18%) above the FDIC insurance limit, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). On the other hand, it holds commercial real estate loans worth 3.3 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Net income for the quarter rose 22% from a year earlier, to $21 million. The non-owner-occupied commercial real estate book ($1.6 billion) is worsening: 0.97% of it is past due or on nonaccrual, up from 0.05% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.1% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Shore United Bank, N.A. reported a CET1 capital ratio of 12.31%, a return on assets of 1.37%, a nonperforming-loan ratio of 1.32% and a Texas ratio of 10.06%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 18 E Dover St, Easton, MD 21601
- County
- Talbot
- Metro Area
- Easton, MD
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 1, 1876
- Former names
- Shore United Bank (2016-2021); CNB (2009-2016)
- Offices
- 40 domestic
- Employees (FTE)
- 612
- Domestic deposits
- $5.43B
- Allowance for credit losses
- $58.7M
- Net charge-offs (YTD)
- $970K
- Average total assets
- $6.08B
- Average total loans
- $4.87B
- Average interest-bearing deposits
- $3.74B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4832
- Fed RSSD
- 933023
- SEC CIK
- 1035092 → filed by SHORE BANCSHARES, INC.
- Website
- shoreunitedbank.com →
- Parent Holding Company
- SHORE BANCSHARES, INC. (RSSD 2429838) · SHBI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| James M Burke | CEO | President & CEO |
| Charles S Cullum | CFO | EVP, Chief Financial Officer |
| Donna J. Stevens | COO | EVP, Chief Operating Officer |
| Stayton Noah Edward | CIO | EVP, Chief Information Officer |
| Ruch, Jr. Charles E. | CCO | EVP, Chief Credit Officer |
| Talal Tay | CRO | EVP, Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Shore United Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Shore United Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Shore United Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.31% | 1.37% | 1.32% | 10.06% | 3.80% |
| Q1 2026 | 12.18% | 1.23% | 1.33% | 10.35% | 3.73% |
| Q4 2025 | 11.75% | 1.19% | 0.82% | 6.57% | 3.60% |
| Q3 2025 | 11.49% | 1.06% | 0.50% | 4.08% | 3.53% |
| Q2 2025 | 11.18% | 1.13% | 0.35% | 2.91% | 3.43% |
| Q1 2025 | 11.09% | 1.02% | 0.34% | 2.86% | 3.28% |
| Q4 2024 | 10.75% | 0.99% | 0.44% | 3.83% | 3.13% |
| Q3 2024 | 10.60% | 0.89% | 0.31% | 2.74% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 40 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Shore United Bank, N.A. (main office) | Easton , MD | 21601 | $537.9M |
| Annapolis - West Street Branch | Annapolis , MD | 21401 | $426.9M |
| Prince Frederick Branch | Prince Frederick , MD | 20678 | $344.0M |
| La Plata Branch | La Plata , MD | 20646 | $295.0M |
| Leonardtown Branch | Leonardtown , MD | 20650 | $255.2M |
| Tred Avon Square Branch | Easton , MD | 21601 | $251.7M |
| Community Bank of the Chesapeake Branch | Waldorf , MD | 20601 | $179.8M |
| Charlotte Hall Branch | Charlotte Hall , MD | 20622 | $175.7M |
| Commerce Street Branch | Centreville , MD | 21617 | $174.6M |
| Downtown Laplata Br | La Plata , MD | 20646 | $165.3M |
| Dunkirk Branch | Dunkirk , MD | 20754 | $162.0M |
| St. Michaels Branch | St. Michaels , MD | 21663 | $151.2M |
| Kent Island Branch | Stevensville , MD | 21666 | $149.8M |
| Elliott Road Branch | Easton , MD | 21601 | $142.3M |
| Arbutus Branch | Baltimore , MD | 21229 | $138.4M |
| Denton Branch | Denton , MD | 21629 | $136.8M |
| Edgewater Branch | Edgewater , MD | 21037 | $126.2M |
| Governors Avenue Branch | Dover , DE | 19904 | $121.2M |
| Fredericksburg Branch | Fredericksburg , VA | 22401 | $119.0M |
| Washington Square Branch | Chestertown , MD | 21620 | $116.7M |
| Chester Branch | Chester , MD | 21619 | $110.7M |
| Lexington Park Branch | Lexington Park , MD | 20653 | $107.6M |
| Felton Branch | Felton , DE | 19943 | $101.4M |
| Glen Burnie Branch | Glen Burnie , MD | 21061 | $93.1M |
| Rt 213 Branch | Centreville , MD | 21617 | $91.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2023 | Structure Change | Acquired Community Bank of the Chesapeake Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2021 | Structure Change | Acquired Severn Savings Bank, FSB dba Severn Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2016 | Structure Change | Acquired The Talbot Bank of Easton, Maryland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2011 | Structure Change | Acquired The Felton Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1997 | Structure Change | Acquired Kent Savings and Loan Association, F.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for Shore United Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.4% of deposits in MD, rank 11 of 71 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,876 applications, 1,287 loans originated, $576.7M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $335K approved, $335K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 699 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Shore United Bank, N.A.
What are Shore United Bank, N.A.'s total assets?
As of the Q2 2026 filing, Shore United Bank, N.A. reported total assets of $6.15 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Shore United Bank, N.A. headquartered?
Shore United Bank, N.A. is headquartered in Easton, MD, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Shore United Bank, N.A. founded?
Shore United Bank, N.A. was established in 1876, per the FDIC institution directory.
Is Shore United Bank, N.A. FDIC-insured?
Yes. Shore United Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #4832). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Shore United Bank, N.A.?
Shore United Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Shore United Bank, N.A.'s CET1 capital ratio?
Shore United Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 12.31% in its Q2 2026 call report, above regulatory requirements.
How many branches does Shore United Bank, N.A. operate?
Shore United Bank, N.A. operates 40 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Shore United Bank, N.A.'s Texas Ratio?
Shore United Bank, N.A.'s Texas Ratio is 10.06% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Shore United Bank, N.A. previously called?
The charter now named Shore United Bank, N.A. has also operated as Shore United Bank (2016-2021), CNB (2009-2016), per FDIC structure-change records.
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