Shore United Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.05 percentage points lower than in Q1 2026, at 326.89%. 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). At 90.46%, Shore United Bank, N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.91B |
| Net loans and leases | $4.85B |
| Loans held for sale | $30.8M |
| Loans to total assets | 79.84% |
| Loan-to-deposit ratio | 90.46% |
| Net loans to equity capital | 7.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.44% |
| Multifamily (5+ residential) | 5.39% |
| Commercial and industrial | 4.24% |
| Consumer | 4.95% |
| Credit cards | 0.03% |
| Farm | 1.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 326.89% |
| Construction concentration (Tier 1 capital + allowance) | 51.20% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.80% |
| Interest income on loans | $70.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.63B | $5.12B | 48.09% | 4.88% | 7.26% |
| Q4 2023 | $4.65B | $5.40B | 48.01% | 4.96% | 7.13% |
| Q1 2024 | $4.66B | $5.19B | 47.02% | 4.84% | 7.03% |
| Q2 2024 | $4.73B | $5.15B | 46.60% | 4.54% | 6.92% |
| Q3 2024 | $4.76B | $5.23B | 46.10% | 4.65% | 6.73% |
| Q4 2024 | $4.79B | $5.54B | 46.28% | 4.89% | 6.40% |
| Q1 2025 | $4.79B | $5.47B | 45.87% | 4.53% | 6.33% |
| Q2 2025 | $4.86B | $5.32B | 46.42% | 4.11% | 6.11% |
| Q3 2025 | $4.90B | $5.53B | 47.16% | 4.08% | 5.70% |
| Q4 2025 | $4.93B | $5.56B | 47.12% | 4.33% | 5.42% |
| Q1 2026 | $4.87B | $5.49B | 46.82% | 4.30% | 5.25% |
| Q2 2026 | $4.91B | $5.43B | 46.44% | 4.24% | 4.95% |
Shore United Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Shore United Bank, N.A., freeSource: Call Report Schedule RC-C, 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)