Shore United Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Shore United Bank, N.A. of Easton, MD against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.37% | 1.46% | -0.09% | 57th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.43% | 12.72% | -0.29% | 51st above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.80% | 3.85% | -0.05% | 56th above |
| Efficiency Ratio | 50.81% | 57.42% | -6.61% | 74th above |
| PPNR / Avg Assets | 1.88% | 1.88% | +0.00% | 61st above |
| Yield on Earning Assets | 5.40% | 5.72% | -0.32% | 42nd below |
| Cost of Funds | 1.71% | 2.02% | -0.31% | 68th above |
| Net Interest Spread | 3.01% | 3.18% | -0.17% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.32% | 1.00% | +0.32% | 23rd bottom |
| NPA / Total Assets | 1.06% | 0.76% | +0.30% | 22nd bottom |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 60th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.31% | -0.11% | 58th above |
| ACL / NPLs (Coverage) | 90.42% | 544.46% | -454.04% | 25th below |
| Texas Ratio | 10.08% | 7.38% | +2.70% | 24th bottom |
| Provision / NCO | 89.79% | 620.09% | -530.30% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.31% | 17.35% | -5.04% | 30th below |
| Tier 1 Ratio | 12.31% | 17.38% | -5.07% | 29th below |
| Total Capital Ratio | 13.56% | 18.43% | -4.87% | 32nd below |
| Leverage Ratio | 10.00% | 11.44% | -1.44% | 37th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.98% | 11.34% | -0.36% | 60th above |
| TCE / Tangible Assets | 9.67% | 10.50% | -0.83% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.46% | 86.94% | +3.52% | 44th below |
| Core Deposit Ratio | 88.46% | 85.55% | +2.91% | 50th above |
| Uninsured Deposit Ratio | 17.98% | 33.16% | -15.18% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.86% | 9.70% | -7.84% | 27th below |
| Loan Growth (Y/Y) | 0.96% | 8.07% | -7.11% | 22nd bottom |
| Deposit Growth (Y/Y) | 2.02% | 7.88% | -5.86% | 30th below |
See Shore United Bank, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Shore United Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Shore United Bank, N.A. profile, how to read a UBPR, or how this data updates.