Shore United Bank, N.A.
BankRegReports is independent of Shore United Bank, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Shore United Bank, N.A. is an FDIC-insured commercial bank headquartered in Easton, MD, supervised by the OCC, with $6.15B in total assets at Q2 2026, up 1.9% from Q2 2025, the 3rd largest of 27 banks headquartered in Maryland. It was established in 1876 and holds FDIC certificate 4832. Its CET1 capital ratio was 12.31% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4832
- Headquarters
- Easton, MD
- Established
- 1876
- Total assets, Q2 2026
- $6.15B
- Assets vs Q2 2025
- +1.9%
- CET1 ratio, Q2 2026
- 12.31%
- Domestic offices
- 40 · Shore United Bank, N.A. branches FDIC institution directory, current count
- Routing number
- 052100932
- Safety and soundness
- Is Shore United Bank, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 041 · Shore United Bank, N.A. Q3 2026 call report, filed October 28, 2026 (preliminary)
- Holding company
- SHORE BANCSHARES, INC.
- Asset rank in state
- 3rd of 27 in Maryland
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 880 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%. The figures come from its call report filed with the FFIEC.
Of the 27 banks headquartered in Maryland, Shore United Bank, N.A. is the 3rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.9% to $6.15B, loans rose 0.7% and deposits fell 1.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 31.6% of total loans, followed by 1-4 family residential loans at 30.6%. Its 40 offices in the FDIC Summary of Deposits are in 34 cities across 3 states; its Easton 3 offices book 17% of its branch deposits. On its Q2 2026 call report, Shore United Bank, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 40 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Shore United Bank, N.A.'s total assets ranged from $5.70B (Q3 2023) to $6.28B (Q3 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.15B total assets against $6.04B; $5.47B total liabilities against $5.41B.
$4.85B net loans and leases against $4.80B; $5.43B total deposits against $5.32B.
$659.9M securities against $653.1M; $258.0M cash and balances due against $185.3M.
$77.5M total interest income against $76.6M; $23.0M total interest expense against $28.0M.
$54.6M net interest income against $48.6M.
$7.7M total noninterest income against $8.7M; $33.7M total noninterest expense against $33.1M.
$896K provision for credit losses against $1.5M.
$20.8M net income against $17.0M.
1.37% return on assets against 1.13%; 3.80% net interest margin against 3.43%.
12.31% CET1 capital ratio against 11.18%; 10.00% tier 1 leverage ratio against 9.20%.
Inside the full Shore United Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 240 of 4,196, for total assets; its furthest is 852 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.89% (Q3 2024) to 1.37% (Q2 2026) and its net interest margin ran from 3.13% (Q4 2024) to 3.80% (Q2 2026).
| 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
View all 40 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 2.4% of deposits in MD, rank 11 of 69 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
- 706 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Shore United Bank, N.A.’s latest filed figures and updates each quarter.
Similar banks
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.
Where is Shore United Bank, N.A. headquartered?
It is headquartered in Easton, MD, United States.
When was Shore United Bank, N.A. founded?
It was established in 1876, per the FDIC institution directory.
Is Shore United Bank, N.A. FDIC-insured?
Yes. It 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.
What is Shore United Bank, N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 10.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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.
Go deeper on Shore United Bank, N.A.
Get an email when Shore United Bank, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock Shore United Bank, N.A., freeFree account