# SHORE UNITED BANK NA
EASTON, MD · FDIC certificate 4832 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.15B | |
| Deposits | $5.43B | |
| Loans and leases | $4.91B | |
| Total equity | $675.0M | |
| Loans / deposits | 89.38% (p57 of band) | 87.10% |
| Liquid assets / assets | 14.93% (p22 of band) | |
| Uninsured deposits / deposits | 17.98% (p14 of band) | 30.76% |
| Brokered deposits | 3.85% | |
| Wholesale funding | 3.85% (p40 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.00% (p37 of band) | 10.50% |
| Unrealized securities loss / equity | -7.72% (p50 of band) | -7.75% |
| AOCI / equity | -0.22% (p55 of band) | |
| ROA (annualized) | 1.28% (p53 of band) | 1.26% |
| Net interest margin | 3.77% (p54 of band) | 3.70% |
| Efficiency ratio | 53.01% (p33 of band) | |
| Noncurrent loans | 1.32% (p80 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p55 of band) | |
| Reserve coverage of noncurrent | 90.59% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 50.00% (p53 of band) | |
| Auto loans | $107.5M (2.19% of loans; DQ 0.52%, NCO 0.00%) | |
| Loans to nondepository financials | $4.8M (1% of equity) (p75 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 612 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | construction >100% equity |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | charge-offs p90 |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | construction >100% equity |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | construction >100% equity |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | reserve under noncurrent |  |
| 2019-03 | 1 |  | uninsured deposits leaving |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2023-09 | 2 | losing money | uninsured deposits leaving |
| 2023-12 | 0 |  | capital falling, losing money |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | reserve under noncurrent |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-20 [Shore Bancshares, Inc. Reports Quarterly Dividend of $0.14 Per Share - PR Newswire](https://news.google.com/rss/articles/CBMivgFBVV95cUxNSmFvSnVuOFBmRFNveTlBQi16UTZlVG04bzVUSlY5MDBzVmRvLVBsbU5ETUZPVFgtMlduN3owNTRPTjFYMXVWNm9yUF9QS1RobmM3WmlBU1kxZWFyZWVUNnlTZHZzZ2ljWk5NT2JJQVZGRUdYbGpsZzJaVEJZSV9tcW5YdFFndURMTFQtamZTaEFIX2FRaHJrTEpiOTNVbnJkc1lCQm9iWkhGd0hlM3dBNzF1SmlBV1JUNU90Y053?oc=5) · PR Newswire
- 2026-06-16 [Shore United Bank Names B. Scot Ebron President, Expands Leadership Team - citybiz](https://news.google.com/rss/articles/CBMirgFBVV95cUxPa3hocVNGZ3RyZnVHUnhJQ3JSWlUwdEgtYmEwbWJ5SFM5eWhZVWJFMlQ0WTlTbV9WbUVDWVg4bFJDZnZCVV9jRW5JM3loX0R6R0pXUGw2dUxHUXdaaVJwT3FKeGlxY1lMaHhmNU9FLWpVV294cEloM0dBYU1FbVhjMklJRzktNlg5UFJ0dUxkSlhRNkY0dTVVTGxCM0g2Mzg1T1FUbjlRTVVjM0JaOXc?oc=5) · citybiz
- 2026-08-20 [Shore Bancshares Will Pay Shareholders 14 Cents on Sept. 16 - Stock Titan](https://news.google.com/rss/articles/CBMitAFBVV95cUxOdk1UUjAzeXBNVFlyX1ZnZzU1THhpMmowUmEtZVFuVmJKUU1STHV1U2piR2lyeEFNdWs4dVA0ZDhUZG81T3pvR2k3Q1VqbWpuQ2ZoWm9KTF9MYTdiR2JSSDF5OUpWSXBmaklDUW5qUzYxS0QwZ2k4WWNJNzl0bGQ3aER4NFF6WmNIV1Jrek5xTVlUNTUtYlp1Wko0RjIzWVBMQzFEWUh4ZjBIMzcwVWx0bU5KeGM?oc=5) · Stock Titan
- 2026-05-21 [Shore Bancshares, Inc. Announces Increased Dividend and $30 Million Stock Repurchase Program - PR Newswire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQb2NBRURnS0ZTZ1ZUMmUtZ3NibURfdnJYTUlMRnR6LWlPUl9oNkxGU3B4cWIxMnpRdWREblZ0dDNkUEVWT19ndVpMbFNPNlhxUV92VTlmZTZNd2hla21VUEVzUGpVNkdvRG1wcVNyUlE0ekFUTHpuVFBHSTIwRFd1T1JHWkJoWmgwT0FoS2k2aF9IWlV2X294ZENDSXNhLVlyZFN4OEpMcXlMZW5UTmZERGFVV0J1a2Vuc1hkY1JEZnozazN3SWdUUFphakFSejRzZWFiaDVnOFdtQXE2elE?oc=5) · PR Newswire
- 2022-12-29 [Shore United Bank merges with Community Bank of the Chesapeake - The Star Democrat](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNV05HLWs1NzFYdVZ3ZXZPS0oxYnFObFBvUHZua1Y4Q0JCNV9zN2cxcnQ2cy1IWDZ3T0VlWFc2bXEydHhUOHdVbFlEMktqdm1NMWVoYlRQSUE0NGxsbjlvLWp4d1ZHSUo1cWZBeG9uUFhGLTN4MnU3NXZnbmRBRnVndnBMQnJUcGV1Ul9fMzkxQS1EdDJyaXRnVWFrbzhIMkZoNEJpSHJ6bDAtcTZVcXh1YVJheXVveVQxRG9fTzNQajg3dGdZT1RDbW9iU29GTm1nV28tX2F5UHM?oc=5) · The Star Democrat
- 2026-06-16 [Shore Bancshares, Inc. Announces Appointment of B. Scot Ebron as Bank President - Yahoo Finance](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOU0tKLW5kMXBGRXgtMloxd1U5ZFJzelgxOElZcnhwdkE2RHJvdXlwSHRIRmFwZTc5WG5EdUlzLTVpbVhyWU81NFhtX3lSZXhQN3BGVXFEbnhZeFNMMHJkTGdnTzFLd0hTYk0tU3pmNXZTM0ZWZmYxek5mRmpNbEdUUmszZGNUTmRhMWhxMGc3eWlMSXpwdEdveHJ0cVVJUWNYNV9SWGZRR01xLXM?oc=5) · Yahoo Finance
- 2023-07-03 [Shore Bancshares, Inc. and The Community Financial Corporation Complete Merger - PR Newswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxPOUFpR25rRWY4eFMtMm8wVFNfUm54aVd6M1lMb0ZYaHEzTzRUeHRHQllncTJXQ2VEblRYalZQQ29VaDlOR2JqQVNQcXVMQnEwQlJiX0plNHMtcnJmS09mNFFfTXowTkpSNGhsdFdLRUlBclNZWUNDcGVZY3pKRWtEaFBPa25wcEtRQ01SWWh0WTNic3M4aXF4QzY4R0lfQVBIYUpZOUxmZS0yVHhJZmp6YTNadHJrQkt3RE1LYXFNa3k3QklNTGFvSENWbkY?oc=5) · PR Newswire
- 2025-04-25 [Shore Bancshares (SHBI) Stock Price, News & Analysis - Stock Titan](https://news.google.com/rss/articles/CBMiU0FVX3lxTE9sdzZSU3RhV24yUEFZM3cxTEtGSl9lZnNOR0E4ZTM5ZE9PTUtRQnNMWW9GcE94Z2tSMXV2R05ESXZmeFdnT2tvcEVkYXZBNk04dXBR?oc=5) · Stock Titan

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4832 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "4832", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide