Shore United Bank NA (FDIC #4832): Bank Stress & Real-Estate Credit Exposure
Shore United Bank NA (FDIC Cert #4832): bank stress 61/100, elevated, STABLE over 7 days; parent SHORE BANCSHARES INC (SHBI).
Shore United Bank NA (#4832) lends in 16 counties across 3 states; Shore United Bank NA (#4832) reaches 304 ZIP codes: Maryland 12 counties, 251 ZIPs; Delaware 2 counties, 40 ZIPs; Virginia 2 counties, 14 ZIPs.
Shore United Bank NA (#4832) largest markets: Baltimore County, MD (114 branches, 57 ZIPs) (#4832), Anne Arundel County, MD (252 branches, 42 ZIPs) (#4832), St. Mary's County, MD (81 branches, 27 ZIPs) (#4832), Charles County, MD (100 branches, 25 ZIPs) (#4832), Howard County, MD (25 branches, 25 ZIPs) (#4832), Sussex County, DE (48 branches, 24 ZIPs) (#4832).
Shore United Bank NA (#4832) reports $6.15 billion in total assets; Shore United Bank NA (#4832) equity $675.0 million (11.0% of Shore United Bank NA (#4832) assets); Shore United Bank NA (#4832) domestic deposits $5.43 billion; Shore United Bank NA (#4832) net income $39.8 million; Shore United Bank NA (#4832) return on assets 1.28%; Shore United Bank NA (#4832) return on equity 12.02%; Shore United Bank NA (#4832) net interest income $108.9 million; Shore United Bank NA (#4832) call report June 30, 2026.
Shore United Bank NA (#4832) noncurrent real-estate loans 0.01% of its book; Shore United Bank NA (#4832) residential 0.01%; Shore United Bank NA (#4832) net charge-offs on real estate 1.39%; Shore United Bank NA (#4832) multifamily charge-offs 12.64%; Shore United Bank NA (#4832) residential charge-offs 0.77%.
Shore United Bank NA (#4832) net interest margin 3.77% against an eight-quarter Shore United Bank NA (#4832) average of 3.42% (Shore United Bank NA (#4832) compression -0.34 points); Shore United Bank NA (#4832) real-estate loans 0.8% of equity; Shore United Bank NA (#4832) non-residential real estate 77.4% of equity; Shore United Bank NA (#4832) rate-exposure score 40/100, Shore United Bank NA (#4832) fixed-rate trap 40/100; Shore United Bank NA (#4832) risk type credit driven; Shore United Bank NA (#4832) rate regime rates elevated; Shore United Bank NA (#4832) shares 7.8% below the 52-week high, Shore United Bank NA (#4832) equity trend stable, Shore United Bank NA (#4832) snapshot October 19, 2026.
Shore United Bank NA (#4832) stress score moved from 62.4 on June 22, 2026 to 61.4 on October 19, 2026; Shore United Bank NA (#4832) ranged 61.4 to 62.4 over 116 snapshots.
Shore United Bank NA (#4832) alerts: 15 counties; top Shore United Bank NA (#4832) alert scores: Cambridge County, MD 20 (low); Chestertown County, MD 20 (low); Elkridge County, MD 20 (low); Felton County, MD 20 (low); Fredericksburg County, MD 20 (low).