Side-by-side · Q2 2026 data
Shore United Bank, National Association vs BayVanguard Bank
Metric by metric
| Measure | Shore United Bank, National Association | BayVanguard Bank |
|---|---|---|
| TellerScore | 61 | 80 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 56 | 84 (stronger) |
| Earnings | 71 (stronger) | 60 |
| Funding & liquidity | 67 (stronger) | 52 |
| Problem-loan coverage | 82 | 96 (stronger) |
| Peer percentile | 24th | 77th |
| Total assets | $6.1B | $868.7M |
| Deposits / shares | $5.4B | $689.1M |
| Capital ratio | 10.00% | 17.13% (stronger) |
| Problem loans | 1.32% | 0.48% (stronger) |
| Net charge-offs | 0.04% | -0.01% (stronger) |
| Return on assets | 1.28% (stronger) | 1.01% |
| Loans ÷ deposits | 89.4% (stronger) | 102.2% |
| Uninsured deposits | 18.0% (stronger) | 20.7% |
| Offices | 40 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | 4.3% |
BayVanguard Bank has the higher TellerScore (80 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Shore United Bank, National Association leads on 3 and BayVanguard Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.