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Shore United Bank National Association

IDRSSD: 933023
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2023-Q4QoQ +4

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #933023 2023-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↑ +4 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +3
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +6
81
Sub-score

Liquidity is strong: brokered 4.6%, loans/deposits 85.1%, cash 6.2% of assets.

Cash / Assets
6.22%
Loans / Deposits
85.12%
Brokered %
4.62%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.59%
No watch items at this period.

Capitalization

WatchQoQ +1
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.02%, CET1 10.02%, leverage 8.17%.

Tier 1 RBC
10.02%
CET1
10.02%
Leverage
8.17%
No watch items at this period.

Asset Quality

StrongQoQ +3
100
Sub-score

Asset quality is strong: Adjusted NPL 0.29%, Texas Ratio 2.6%, NCO YTD 0.04%.

Adjusted NPL
0.29%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.04%
30-89 PD
0.14%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
91
Sub-score

Reserves are strong: ALLL 1.23% of loans, coverage 424.1%, true coverage 424.1%.

ALLL / Loans
1.23%
Coverage
424.1%
True Loss Coverage
424.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 08:41:04 UTC