BlastPoint's Banking Scorecard
Shore United Bank, National Association
Designations: ✓ Community bank
Easton, MD
40 branches across MD · DE · VA
Shore United Bank, National Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.87% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 48.7% in tier
- - ROA 0.15% below tier average
- - Net Interest Margin 0.08% below tier average
- - Delinquency Rate 0.46% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.2B
+0.4% YoY
-0.8% QoQ
|
+$3.4B |
$2.8B
-0.1% YoY
|
$1.8B
+4.9% YoY
|
$6.2B
+9.1% YoY
|
Top 9.7% in tier |
| Total Loans ? |
$4.8B
+1.7% YoY
-1.2% QoQ
|
+$2.8B |
$2.0B
+0.6% YoY
|
$1.3B
+7.3% YoY
|
$3.2B
+10.8% YoY
|
Top 7.8% in tier |
| Total Deposits ? |
$5.5B
+0.5% YoY
-1.2% QoQ
|
+$3.1B |
$2.3B
-0.3% YoY
|
$1.6B
+7.4% YoY
|
$4.8B
+8.2% YoY
|
Top 8.4% in tier |
| Return on Assets ? |
1.22%
+21.3% YoY
+12.7% QoQ
|
-0.15% |
1.37%
+19.6% YoY
|
0.90%
+4.7% YoY
|
1.23%
+13.4% YoY
|
49% |
| Net Interest Margin ? |
3.74%
+13.9% YoY
+8.5% QoQ
|
-0.08% |
3.82%
+6.9% YoY
|
3.69%
+5.2% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
55.19%
-0.7% YoY
+2.2% QoQ
|
-5.87% |
61.06%
-4.6% YoY
|
68.69%
-3.5% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
1.35%
+292.1% YoY
+63.6% QoQ
|
+0.46% |
0.89%
+14.1% YoY
|
1.00%
+1.9% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
87.67%
+1.2% YoY
-0.0% QoQ
|
+3.46% |
84.20%
+0.3% YoY
|
87.36%
+2.8% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
29.07%
+1.2% YoY
+0.3% QoQ
|
+7.79% |
21.29%
-2.5% YoY
|
20.21%
-0.6% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? |
1.05%
+293.0% YoY
+62.5% QoQ
|
+0.37% |
0.67%
+15.6% YoY
|
0.86%
+7.2% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
12.18%
+9.8% YoY
+3.7% QoQ
|
-2.98% |
15.16%
+2.0% YoY
|
16.27%
-0.9% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.11%
+4.2% YoY
-77.5% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.12%
-21.7% YoY
|
0.32%
+4.1% YoY
|
35% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.