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Shore United Bank, National Association
Easton, MD·FDIC Cert #4832·Charter: OCC·Est. 18760601.0·HC: SHORE BANCSHARES INC
Total Assets
$6.3B
Q4 2025
Return on Assets
1.08%
+0.03%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.99%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.08%+0.03
ROE
10.69%+0.27
Efficiency
53.99%-0.52
Equity/Assets
0.00%+0.00
NPL Ratio
0.83%+0.32
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.71%+0.14
Charge-offs
0.14%+0.05
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.8 | 0.8 | 0.9 | 1.0 | 1.1 | 1.0 | 1.1 |
| ROE | 7.0 | 7.9 | 8.2 | 8.7 | 10.2 | 10.6 | 10.4 | 10.7 |
| Efficiency | 67.8 | 62.4 | 61.4 | 59.9 | 55.6 | 54.6 | 54.5 | 54.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.5 | 0.3 | 0.4 | 0.5 | 0.8 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 88.8 | 90.7 | 89.9 | 85.5 | 86.6 | 90.3 | 87.6 | 87.7 |
Balance Sheet
Total Assets$6.3B
Total Deposits$5.6B
Total Loans$4.9B
Total Equity$648.3M
Profitability
ROA1.08%
ROE10.69%
Efficiency Ratio53.99%
Net Income$67.1M
Risk & Asset Quality
NPL Ratio0.83%
Charge-off Rate0.14%
Loan/Deposit87.71%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans