Shore United Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 24.4% in Q2 2026, from $341.1M to $258.0M. It was the largest change from Q1 2026 among the key lines here. Shore United Bank, N.A. ranks 9th of 27 Maryland banks on loan-to-deposit ratio, in the upper half at 90.46% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Shore United Bank, N.A. reported 90.46% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $258.0M |
| Cash and noninterest-bearing balances to assets | 4.20% |
| Cash and securities | $917.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.46% |
| Net loans and leases to deposits | 89.38% |
| Loans and leases to core deposits | 97.46% |
| Core deposits to total deposits | 88.46% |
| Brokered deposits to total deposits | 4.36% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 90.56% | 91.27% | $0 | $13.1M |
| Q4 2023 | 86.18% | 89.04% | $0 | $0 |
| Q1 2024 | 89.86% | 89.89% | $0 | $0 |
| Q2 2024 | 91.86% | 89.91% | $0 | $81.0M |
| Q3 2024 | 91.00% | 87.82% | $0 | $50.0M |
| Q4 2024 | 86.55% | 83.98% | $0 | $50.0M |
| Q1 2025 | 87.71% | 86.46% | $0 | $50.0M |
| Q2 2025 | 91.41% | 87.82% | $0 | $50.0M |
| Q3 2025 | 88.65% | 86.05% | $0 | $50.0M |
| Q4 2025 | 88.77% | 85.51% | $0 | $0 |
| Q1 2026 | 88.73% | 86.81% | $0 | $0 |
| Q2 2026 | 90.46% | 88.46% | $0 | $0 |
Shore United Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Shore United Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)