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First Shore Federal Savings and Loan Association

$100M-$1B Specialty: Mortgage MD FDIC cert 30680

Designations: ✓ Mutual

Salisbury, MD

7 branches across MD · DE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 16 in MD.
  • Deposits +0.7% year over year ($303.4M on the books).
  • Delinquency rate 0.83%.
  • Return on assets 0.77%.
  • Efficiency ratio 69.08% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.42% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 16 in MD
View $100M-$1B leaderboard (MD) →

First Shore Federal Savings and Loan Association has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 6.3% in tier
  • - Liquidity Strain: Bottom 11.0% in tier
  • - Flatlined Growth: Bottom 21.5% in tier
  • - ROA 0.55% below tier average
  • - Net Interest Margin 0.53% below tier average
  • - Efficiency Ratio 4.60% above tier average
Get updates when First Shore Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Total Assets ? $366.5M
+0.2% YoY +1.4% QoQ
-$20.0M $386.6M
+1.2% YoY
$1.8B
+4.0% YoY
$6.3B
+7.7% YoY
57%
Total Loans ? $283.4M
+0.2% YoY -0.7% QoQ
+$25.1M $258.3M
+1.7% YoY
$1.3B
+3.8% YoY
$3.2B
+9.4% YoY
64%
Total Deposits ? $303.4M
+0.7% YoY +1.4% QoQ
-$23.4M $326.7M
+0.7% YoY
$1.6B
+4.1% YoY
$4.9B
+7.3% YoY
56%
Return on Assets ? 0.77%
+49.1% YoY +21.3% QoQ
-0.55% 1.32%
+10.8% YoY
0.92%
+12.6% YoY
1.30%
+12.1% YoY
22%
Net Interest Margin ? 3.45%
+8.3% YoY +1.1% QoQ
-0.53% 3.99%
+5.0% YoY
3.72%
+5.0% YoY
3.95%
+4.9% YoY
26%
Efficiency Ratio ? 69.08%
-8.1% YoY +0.9% QoQ
+4.60% 64.48%
-3.2% YoY
67.38%
-3.5% YoY
70.05%
+2.5% YoY
32%
Delinquency Rate ? 0.83%
+115.5% YoY +63.0% QoQ
-0.09% 0.92%
+15.7% YoY
1.07%
+9.6% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 93.42%
-0.4% YoY -2.1% QoQ
+15.47% 77.95%
+1.0% YoY
87.38%
+1.5% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 17.41%
+227.5% YoY +0.7% QoQ
-4.62% 22.03%
-0.6% YoY
20.47%
+3.3% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 0.67%
+126.7% YoY +54.9% QoQ
+0.01% 0.67%
+16.4% YoY
0.90%
+8.0% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 27.67%
+6.3% YoY +0.9% QoQ
+11.76% 15.91%
+1.4% YoY
16.33%
+1.1% YoY
17.09%
+0.8% YoY
Top 5.1% in tier
Non-Interest Income / Assets ? 0.08%
-30.7% YoY +89.8% QoQ
-0.49% 0.57%
+7.6% YoY
0.25%
+1.8% YoY
0.66%
+5.2% YoY
Bottom 11.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Noninterest-Bearing 17.4%
+12.1pp YoY
+0.1pp QoQ
 -4.7pp 22.1% 21.3% 22.2% 33%
Brokered Deposits n/a n/a 7.9% 10.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
C&I 1.2%
-0.8pp YoY
-0.4pp QoQ
 -10.4pp 11.6% 8.9% 12.5% 4%
CRE 15.6%
-1.4pp YoY
-1.2pp QoQ
 -23.9pp 39.5% 50.0% 41.4% 11%
1-4 Family 65.5%
+2.0pp YoY
+1.5pp QoQ
 +32.9pp 32.6% 37.9% 31.3% 92%
Consumer 18.8%
+0.2pp YoY
+0.1pp QoQ
 +14.7pp 4.1% 3.2% 5.0% 97%

Capital

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
CET1 Ratio 27.7%
+1.6pp YoY
+0.2pp QoQ
 +8.8pp 18.8% 16.4% 19.7% 91%
Leverage Ratio 17.4%
+0.9pp YoY
0.0pp QoQ
 +5.2pp 12.2% 13.0% 12.6% 94%
Total Capital Ratio 28.9%
+1.6pp YoY
+0.2pp QoQ
 +9.0pp 19.9% 17.5% 20.8% 92%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Full-Time Employees 72
+3 (+4.3%) YoY
+2 (+2.9%) QoQ
 +13 58 170 482 72%
Assets per Employee ($) $5.1M
-4.0% YoY
-1.4% QoQ
 -$2.4M $7.5M $9.4M $8.8M 16%
Branch Count 7
0 YoY
0 QoQ
 +2 4 9 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 28%
Nonaccrual 0.8%
+0.4pp YoY
+0.3pp QoQ
 -0.1pp 0.9% 1.1% 1.0% 66%
Allowance Coverage 1.57x
-55.5% YoY
-39.7% QoQ
 -22.59x 24.15x 46.66x 20.23x 40%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 38%

Profitability

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
ROE 4.5%
+1.3pp YoY
+0.8pp QoQ
 -7.6pp 12.2% 8.0% 11.6% 12%
Cost of Funds (YTD) 2.1%
-0.1pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.9% 1.7% 76%
Net Income ($, YTD) $1.4M
+47.0% YoY
— QoQ
 -$1.2M $2.6M $8.4M $40.4M 39%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Overhang

risk
#48 of 742 • Bottom 6.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 27.67%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 93.42%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#77 of 691 • Bottom 11.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.42%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#115 of 529 • Bottom 21.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.77%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

135
Tier 1 Capital Ratio
capital
Value: 27.67%
Peer Median: 15.91%
#135 of 2643 Top 5.1% in $100M-$1B

Top Weaknesses (3 metrics)

2342
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2342 of 2643 Bottom 11.4% in $100M-$1B
2134
Loan-to-Deposit Ratio
liquidity
Value: 93.42%
Peer Median: 77.95%
#2134 of 2643 Bottom 19.3% in $100M-$1B
2064
Return on Assets
profitability
Value: 0.77%
Peer Median: 1.32%
#2064 of 2643 Bottom 21.9% in $100M-$1B
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