BanksSHORE UNITED BANK, NATIONAL ASSOCIATION

SHORE UNITED BANK, NATIONAL ASSOCIATION

EASTON, MDLargeEst. June 1, 1876, midnightFDIC #4832RSSD #933023OCC
Latest · 2025-12-31

SHORE UNITED BANK, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 11.75%, well above regulatory minimums. NPL ratio: 0.81% · Texas Ratio: 5.67%. Operates 40 domestic branches.

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 Margin3.65%
Yield on Assets5.56%
Cost of Funds1.98%

Asset Quality

NPL Ratio0.81%
Net Charge-Off Ratio0.13%
Texas Ratio5.67%
NPA Ratio0.64%
ACL / Loans1.19%

Capital & Liquidity

CET1 Ratio11.75%
Tier 1 Capital11.75%
Total Capital Ratio13.00%
Leverage Ratio9.30%
Loan-to-Deposit88.77%

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