BlastPoint's Banking Scorecard
Shore United Bank, National Association
Designations: ✓ Community bank
Easton, MD
40 branches across MD · DE · VA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 10 in MD.
- Deposits +2.0% year over year ($5.4B on the books).
- Delinquency rate 1.34%.
- Return on assets 1.28%.
- Efficiency ratio 53.01% vs a 59.73% peer average.
- Loan-to-deposit ratio 89.38% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Shore United Bank, National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.72% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Net Interest Margin 0.11% below tier average
- - Delinquency Rate 0.47% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.1B
+1.9% YoY
-0.9% QoQ
|
+$3.4B |
$2.8B
-0.6% YoY
|
$1.8B
+4.0% YoY
|
$6.3B
+7.7% YoY
|
Top 9.5% in tier |
| Total Loans ? |
$4.8B
+1.0% YoY
+0.8% QoQ
|
+$2.9B |
$2.0B
-0.3% YoY
|
$1.3B
+3.8% YoY
|
$3.2B
+9.4% YoY
|
Top 7.2% in tier |
| Total Deposits ? |
$5.4B
+2.0% YoY
-1.2% QoQ
|
+$3.1B |
$2.3B
-0.5% YoY
|
$1.6B
+4.1% YoY
|
$4.9B
+7.3% YoY
|
Top 8.2% in tier |
| Return on Assets ? |
1.28%
+20.8% YoY
+5.1% QoQ
|
-0.11% |
1.39%
+17.0% YoY
|
0.92%
+12.6% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
3.77%
+12.1% YoY
+0.7% QoQ
|
-0.11% |
3.87%
+6.2% YoY
|
3.72%
+5.0% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
53.01%
-3.0% YoY
-3.9% QoQ
|
-6.72% |
59.73%
-12.6% YoY
|
67.38%
-3.5% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
1.34%
+277.8% YoY
-0.9% QoQ
|
+0.47% |
0.87%
+11.7% YoY
|
1.07%
+9.6% YoY
|
0.98%
+16.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
89.38%
-1.0% YoY
+2.0% QoQ
|
+4.34% |
85.04%
-0.1% YoY
|
87.38%
+1.5% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
30.10%
+1.3% YoY
+3.5% QoQ
|
+8.82% |
21.27%
-1.5% YoY
|
20.47%
+3.3% YoY
|
21.98%
-0.6% YoY
|
85% |
| Nonperforming Asset Ratio ? |
1.05%
+270.6% YoY
+0.6% QoQ
|
+0.38% |
0.67%
+11.7% YoY
|
0.90%
+8.0% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
12.31%
+10.1% YoY
+1.0% QoQ
|
-2.53% |
14.84%
-0.4% YoY
|
16.33%
+1.1% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.23%
-6.2% YoY
+118.9% QoQ
|
-0.29% |
0.53%
+2.5% YoY
|
0.25%
+1.8% YoY
|
0.66%
+5.2% YoY
|
38% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.1%
+0.4pp YoY +1.0pp QoQ |
+8.7pp | 21.4% | 21.3% | 22.2% | 84% |
| Brokered Deposits |
4.4%
-0.2pp YoY -1.6pp QoQ |
-5.1pp | 9.5% | 10.7% | 8.5% | 45% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.3%
+0.1pp YoY -0.1pp QoQ |
-9.7pp | 14.0% | 8.9% | 12.5% | 15% |
| CRE |
59.4%
-0.4pp YoY -0.5pp QoQ |
+9.4pp | 50.0% | 50.0% | 41.4% | 74% |
| 1-4 Family |
31.0%
+2.2pp YoY +0.8pp QoQ |
+4.5pp | 26.4% | 37.9% | 31.3% | 68% |
| Consumer |
5.0%
-1.2pp YoY -0.3pp QoQ |
+0.3pp | 4.7% | 3.2% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
+1.1pp YoY +0.1pp QoQ |
-3.3pp | 15.6% | 16.4% | 19.7% | 29% |
| Leverage Ratio |
10.0%
+0.8pp YoY +0.4pp QoQ |
-1.3pp | 11.3% | 13.0% | 12.6% | 37% |
| Total Capital Ratio |
13.6%
+1.1pp YoY +0.1pp QoQ |
-3.1pp | 16.7% | 17.5% | 20.8% | 31% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
612
+2 (+0.3%) YoY +14 (+2.3%) QoQ |
+298 | 313 | 170 | 482 | 90% |
| Assets per Employee ($) |
$10.0M
+1.5% YoY -3.2% QoQ |
-$435K | $10.5M | $9.4M | $8.8M | 66% |
| Branch Count |
40
0 YoY 0 QoQ |
+20 | 20 | 9 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.2% | 0.4% | 7% |
| Nonaccrual |
1.3%
+1.0pp YoY 0.0pp QoQ |
+0.5pp | 0.8% | 1.1% | 1.0% | 82% |
| Allowance Coverage |
0.91x
-73.7% YoY +0.6% QoQ |
-17.80x | 18.71x | 46.66x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 50% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.0%
+1.4pp YoY +0.4pp QoQ |
-0.6pp | 12.6% | 8.0% | 11.6% | 49% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.9% | 1.7% | 32% |
| Net Income ($, YTD) |
$39.8M
+21.8% YoY — QoQ |
+$20.5M | $19.2M | $8.4M | $40.4M | 88% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.