BlastPoint's Banking Scorecard
Shore United Bank, National Association
Designations: ✓ Community bank
Easton, MD
Shore United Bank, National Association faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 31% in Mid-Market
- - Capital Thin: Bottom 48% in Mid-Market
- - Flatlined Growth: Bottom 49% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.3B
+0.3% YoY
-0.4% QoQ
|
-$4.2B |
$10.5B
+2.9% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$4.9B
+3.0% YoY
+0.6% QoQ
|
-$2.3B |
$7.1B
+4.5% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$5.6B
+0.4% YoY
+0.4% QoQ
|
-$3.0B |
$8.5B
+3.0% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.08%
+26.1% YoY
+3.2% QoQ
|
-0.08% |
1.16%
+9.4% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
3.45%
+7.9% YoY
+1.7% QoQ
|
+0.05% |
3.40%
+7.9% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
53.99%
-9.8% YoY
-0.9% QoQ
|
-2.61% |
56.60%
-3.2% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.83%
+83.3% YoY
+63.0% QoQ
|
+0.14% |
0.68%
+12.0% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
87.71%
+2.6% YoY
+0.2% QoQ
|
+2.24% |
85.47%
+1.1% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
28.98%
+2.2% YoY
+0.3% QoQ
|
+8.35% |
20.64%
-0.3% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.65%
+87.1% YoY
+64.3% QoQ
|
+0.15% |
0.50%
+7.3% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
11.75%
+9.3% YoY
+2.2% QoQ
|
-1.80% |
13.55%
+1.8% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.47%
+2.6% YoY
+34.6% QoQ
|
-0.48% |
0.96%
+7.1% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
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
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%