Shore United Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 15.5% lower than in Q1 2026, at -$6.1M. Shore United Bank, N.A. ranks 15th of 20 Maryland banks on CET1 ratio, in the lower half at 12.31% (Q2 2026). Shore United Bank, N.A. reported 12.31% on CET1 ratio for Q2 2026, 1.17 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.31% |
| Tier 1 risk-based capital ratio | 12.31% |
| Total risk-based capital ratio | 13.56% |
| Tier 1 leverage ratio | 10.00% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $600.5M |
| Tier 1 capital | $600.5M |
| Total risk-based capital | $661.5M |
| Total equity capital | $675.0M |
| Risk-weighted assets | $4.88B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.98% |
| Tangible equity to tangible assets | 9.67% |
| Equity capital to average assets | 11.10% |
| Internal capital growth rate | 9.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $440.8M |
| Retained earnings | $235.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 9.85% | 9.85% | 11.09% | 8.17% | $4.70B |
| Q4 2023 | 10.02% | 10.02% | 11.27% | 8.33% | $4.69B |
| Q1 2024 | 10.32% | 10.32% | 11.56% | 8.58% | $4.72B |
| Q2 2024 | 10.45% | 10.45% | 11.69% | 8.71% | $4.80B |
| Q3 2024 | 10.60% | 10.60% | 11.84% | 8.90% | $4.81B |
| Q4 2024 | 10.75% | 10.75% | 11.97% | 8.58% | $4.85B |
| Q1 2025 | 11.09% | 11.09% | 12.33% | 8.84% | $4.82B |
| Q2 2025 | 11.18% | 11.18% | 12.42% | 9.20% | $4.89B |
| Q3 2025 | 11.49% | 11.49% | 12.75% | 9.41% | $4.86B |
| Q4 2025 | 11.75% | 11.75% | 13.00% | 9.30% | $4.84B |
| Q1 2026 | 12.18% | 12.18% | 13.43% | 9.58% | $4.79B |
| Q2 2026 | 12.31% | 12.31% | 13.56% | 10.00% | $4.88B |
Shore United Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Shore United Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Shore United Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4832) · FFIEC NIC profile (RSSD 933023)