Total Assets
$6.3B
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Shore United Bank, National Association — FDIC Bank Health Profile
Easton, Maryland · Est. 1876. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) National Bank FDIC Cert #4832 New York Region
C
Health grade
Fair
Score: 60/100
Basel III capital ratios — Shore United Bank, National Association
Total Deposits
$5.6B
Customer-funded liabilities
Net Loans
$4.9B
Outstanding loan book
Net Income
$67M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
11.75% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
11.75%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$648M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.08%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
10.69%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
53.99%
Income & Expense Breakdown
$310M
Interest Income
$30M
Non-Interest Income
$132M
Non-Interest Expense
FDIC Deposit Insurance
Shore United Bank, National Association is FDIC-insured (Certificate #4832). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Shore United Bank, National Association
Shore United Bank, National Association is an FDIC-insured institution (Certificate #4832) headquartered in Easton, Maryland, established in 1876. The bank currently holds $6.3B in total assets and $5.6B in customer deposits, with $4.9B deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Shore United Bank, National Association reports a Tier 1 Capital Ratio of 11.75% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $648M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.08% and a Return on Equity of 10.69%, with an Efficiency Ratio of 53.99% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of C (60/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Shore United Bank, National Association is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Maryland by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Shore United Bank, National Association (FDIC Cert #4832) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Maryland
All Maryland banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| EagleBank Bethesda | $10.4B | D | -1.10% |
| Forbright Bank Potomac | $7.9B | F | 1.35% |
| CFG Bank Lutherville | $5.7B | B | 1.43% |
| Capital Bank, National Association Rockville | $3.5B | C | 1.51% |
| First United Bank & Trust Oakland | $2.1B | B | 1.27% |
| Rosedale Bank Nottingham | $1.3B | F | 0.18% |
| Middletown Valley Bank Middletown | $1.1B | C | 0.90% |
| Presidential Bank, FSB Bethesda | $1.1B | D | 0.44% |
Frequently Asked Questions
What is Shore United Bank, National Association's health grade? ▼
Shore United Bank, National Association receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Shore United Bank, National Association? ▼
Shore United Bank, National Association holds $6.3B in total assets and $5.6B in deposits. It is headquartered in Easton, Maryland.
Is my money safe at Shore United Bank, National Association? ▼
Yes. Shore United Bank, National Association is FDIC-insured (Certificate #4832). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Shore United Bank, National Association's Tier 1 Capital Ratio? ▼
Shore United Bank, National Association has a Tier 1 Capital Ratio of 11.75%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Shore United Bank, National Association? ▼
Shore United Bank, National Association has an Efficiency Ratio of 53.99%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.