Shore United Bank, National Association is a national bank headquartered in Easton, Maryland, in business for about 150 years. At the end of Q2 2026 it reported $6.1B in total assets and $5.4B in deposits, with 40 offices across 3 states.
Shore United Bank, National Association has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Maryland, it ranks 20th. Problem-loan coverage contributes the most (82/100, 8.8%); capital cushion contributes the least (50/100, 10.00%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (67 → 61), mostly because the loan quality component weakened by 32 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 64 |
| Q4 2024 | 63 |
| Q1 2025 | 66 |
| Q2 2025 | 67 |
| Q3 2025 | 66 |
| Q4 2025 | 63 |
| Q1 2026 | 60 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.71% |
| Q3 2024 | 8.90% |
| Q4 2024 | 8.58% |
| Q1 2025 | 8.84% |
| Q2 2025 | 9.20% |
| Q3 2025 | 9.41% |
| Q4 2025 | 9.30% |
| Q1 2026 | 9.58% |
| Q2 2026 | 10.00% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.44% |
| Q1 2025 | 0.34% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.50% |
| Q4 2025 | 0.82% |
| Q1 2026 | 1.33% |
| Q2 2026 | 1.32% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.86% |
| Q1 2025 | 1.01% |
| Q2 2025 | 1.06% |
| Q3 2025 | 1.05% |
| Q4 2025 | 1.08% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $6.1B | 10.00% | 1.32% | 1.28% | 89.4% |
| Q1 2026 | 60 | $6.2B | 9.58% | 1.33% | 1.22% | 87.7% |
| Q4 2025 | 63 | $6.3B | 9.30% | 0.82% | 1.08% | 87.7% |
| Q3 2025 | 66 | $6.3B | 9.41% | 0.50% | 1.05% | 87.6% |
| Q2 2025 | 67 | $6.0B | 9.20% | 0.35% | 1.06% | 90.3% |
| Q1 2025 | 66 | $6.2B | 8.84% | 0.34% | 1.01% | 86.6% |
| Q4 2024 | 63 | $6.2B | 8.58% | 0.44% | 0.86% | 85.5% |
| Q3 2024 | 64 | $5.9B | 8.90% | 0.31% | 0.81% | 89.9% |
| Q2 2024 | 63 | $5.9B | 8.71% | 0.32% | 0.78% | 90.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Maryland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CFG BankBank Lutherville, MD | 51 out of 100, Below average | $6.1B | 11.3% | 3.86% | vs |
| Capital Bank, National AssociationBank Rockville, MD | 46 out of 100, Below average | $3.8B | 9.0% | 2.05% | vs |
| Forbright BankBank Potomac, MD | 61 out of 100, Moderate | $8.5B | 11.2% | 1.45% | vs |
| EagleBankBank Bethesda, MD | 54 out of 100, Below average | $9.6B | 11.5% | 2.05% | vs |
| First United Bank & TrustBank Oakland, MD | 75 out of 100, Strong | $2.1B | 11.6% | 0.31% | vs |
| Rosedale BankBank Nottingham, MD | 78 out of 100, Strong | $1.4B | 18.6% | 0.52% | vs |
Deposit insurance
Is my money safe at Shore United Bank, National Association?
Yes. Shore United Bank, National Association is an FDIC-insured institution (FDIC certificate #4832). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.0% of deposits ($975.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.56% (benchmark: 10%).
40 locations
Branches
Shore United Bank, National Association lists 40 offices in 34 cities across 3 states. Most locations:
- Easton, MD (3)
- Centreville, MD (2)
- Fredericksburg, VA (2)
- La Plata, MD (2)
- Ocean City, MD (2)
- Annapolis, MD (1)
- Baltimore, MD (1)
- Bryans Road, MD (1)
- Cambridge, MD (1)
- Camden, DE (1)
- Charlotte Hall, MD (1)
- Chester, MD (1)
HMDA 2025
Mortgage lending
In 2025, Shore United Bank, National Association reported 1,751 home-loan applications under HMDA (LEI 54930009M8OIJWECQX81): 1,287 originated ($576,715,000 total), 259 denied, and 200 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Shore United Bank, National Association
- Former names
- Shore United Bank; The Centreville National Bank of Maryland; Cnb
- Type
- National bank
- FDIC certificate #
- 4832
- RSSD ID
- 933023
- Primary regulator
- OCC
- Holding company
- Shore Bancshares Inc
- Established
- June 1, 1876
- Headquarters
- 18 E Dover St, Easton, MD 21601
- Website
- shoreunitedbank.com
- Employees
- 612
Quick answers
Shore United Bank, National Association: common questions
Is Shore United Bank, National Association FDIC insured?
Yes. Shore United Bank, National Association is an FDIC-insured institution (FDIC certificate #4832). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Shore United Bank, National Association's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Shore United Bank, National Association ever failed?
There is no failure record for FDIC certificate #4832 in the FDIC failed bank list.
How many branches does Shore United Bank, National Association have?
40 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Easton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hebron Savings BankBank Hebron, MD | 88 out of 100, Very strong | $838.8M | 13.4% | 0.08% | vs |
| BayVanguard BankBank Baltimore, MD | 80 out of 100, Strong | $868.7M | 17.1% | 0.48% | vs |
| The Queenstown Bank of MarylandBank Queenstown, MD | 77 out of 100, Strong | $729.5M | 11.6% | 0.12% | vs |
| Educational Systems Federal Credit UnionCredit union Greenbelt, MD | 69 out of 100, Moderate | $1.4B | 10.8% | 0.52% | vs |
| Choptank Electric Coop Employ Federal Credit UnionCredit union Denton, MD | 66 out of 100, Moderate | $2.7M | 30.0% | 4.46% | vs |
| Navy Federal Credit UnionCredit union Vienna, VA | 66 out of 100, Moderate | $204.4B | 11.7% | 1.58% | vs |