SHORE UNITED BANK, NATIONAL ASSOCIATION

EASTON, MD | Large | Est. June 1, 1876, midnight | FDIC #4832 | RSSD #933023 | OCC
Latest Report: 2025-12-31

SHORE UNITED BANK, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in EASTON, MD, established in June 1, 1876, midnight. As of 2025-12-31, the bank reported total assets of $6.3B and total deposits of $5.6B. Profitability stands at 1.18% ROA and 11.46% ROE, with a net interest margin of 3.65%. The bank's CET1 capital ratio is 11.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.81% and a Texas Ratio of 5.67%. FDIC Certificate #4832.

Assets

$6.3B

Deposits

$5.6B

Loans

$4.9B

Equity

$648M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 11.46%
Net Interest Margin (NIM) 3.65%
Yield on Assets 5.56%
Cost of Funds 3.56%

Asset Quality

NPL Ratio 0.81%
Net Charge-Off Ratio 0.13%
Texas Ratio 5.67%
NPA Ratio 0.64%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 11.75%
Tier 1 Capital 11.75%
Total Capital Ratio 13.00%
Leverage Ratio 9.30%
Loan-to-Deposit 88.77%

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