SHORE UNITED BANK, NATIONAL ASSOCIATION

EASTON, MD · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1876FDIC #4,832

Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.22%

Institution Profile

FDIC BankFind

Website

shoreunitedbank.com

Address

18 E Dover St, EASTON, MD

County

Talbot County

Established

June 1, 1876

Total Assets

$6.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 21, 2025

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$6.2B

Total Deposits

$5.5B

Net Loans

$4.8B

Net Income

$19M

ROA

1.22%

ROE

11.61%

Risk-Based Capital

13.43%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate14.06%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$5.3B

1-Year Change

-2

5-year net change: +18 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,757	68.36%	14.06%
2023	1,683	71.54%	11.65%
2022	1,211	72.83%	6.94%
2021	573	74%	8.38%
2020	316	59.18%	22.47%
2019	365	62.74%	16.71%
2018	357	70.03%	12.61%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2022

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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