Shore United Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 5.4% to $23.0M. Shore United Bank, N.A. ranks 13th of 27 Maryland banks on net interest margin, in the upper half at 3.80% (Q2 2026). At 3.80%, Shore United Bank, N.A.'s net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.40% |
| Yield on loans | 5.80% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.39% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $70.6M |
| Total interest expense | $23.0M |
| Interest expense on deposits | $22.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.26% | 2.01% | 3.48% | 5.68% | 2.45% |
| Q4 2023 | 5.32% | 2.18% | 3.22% | 5.70% | 2.49% |
| Q1 2024 | 5.27% | 2.18% | 3.15% | 5.66% | 2.62% |
| Q2 2024 | 5.34% | 2.30% | 3.19% | 5.73% | 2.84% |
| Q3 2024 | 5.48% | 2.31% | 3.28% | 5.85% | 2.85% |
| Q4 2024 | 5.26% | 2.26% | 3.13% | 5.63% | 2.80% |
| Q1 2025 | 5.26% | 2.09% | 3.28% | 5.66% | 2.85% |
| Q2 2025 | 5.40% | 2.09% | 3.43% | 5.77% | 3.01% |
| Q3 2025 | 5.44% | 2.03% | 3.53% | 5.82% | 2.97% |
| Q4 2025 | 5.47% | 2.01% | 3.60% | 5.90% | 2.95% |
| Q1 2026 | 5.39% | 1.77% | 3.73% | 5.82% | 2.94% |
| Q2 2026 | 5.40% | 1.71% | 3.80% | 5.80% | 3.04% |
Shore United Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Shore United Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)