$362M
−2.2%y/y
Percentile by value19th percentileby value
FDIC
ASSETFS
First Shore Federal Savings and Loan Association
Salisbury, MarylandFDIC Cert #30680
OCCEstablished 19537 branches
Holding company: Not reportedRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst Shore Federal Savings and Loan Association reported $362M in total assets. Deposits declined 2.26% over the prior year.
Return on assets was 0.64%, compared with an asset-peer median of 1.22%. The leverage ratio was 17.35%.
- Why is Tier 1 Leverage Ratio above asset peers?
- Why is Total Assets below asset peers?
- Why is CRE Concentration to Capital below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$299M
−2.3%y/y
Percentile by value16th percentileby value
FDIC
DEP$285M
+1.4%y/y
Percentile by value35th percentileby value
FDIC
LNLSNET0.64%
+12 bpsy/y
Peer standing16th percentile
FDIC
NETINC + ROA68.44%
−775 bpsy/y
Peer standing33rd percentile
FDIC
NONIX + NIM + NONII + EEFFR17.35%
+93 bpsy/y
Peer standing95th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $341M | $290M |
| Q3 2021 | $343M | $291M |
| Q4 2021 | $349M | $297M |
| Q1 2022 | $354M | $302M |
| Q2 2022 | $356M | $304M |
| Q3 2022 | $348M | $295M |
| Q4 2022 | $344M | $290M |
| Q1 2023 | $340M | $286M |
| Q2 2023 | $331M | $276M |
| Q3 2023 | $337M | $282M |
| Q4 2023 | $346M | $285M |
| Q1 2024 | $358M | $297M |
| Q2 2024 | $359M | $297M |
| Q3 2024 | $361M | $298M |
| Q4 2024 | $367M | $303M |
| Q1 2025 | $370M | $306M |
| Q2 2025 | $366M | $301M |
| Q3 2025 | $362M | $297M |
| Q4 2025 | $359M | $297M |
| Q1 2026 | $362M | $299M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $5.35M |
| Investor CRE | $23.6M |
| Multifamily | $2.64M |
| Construction | $16.2M |
| 1–4 family | $183M |
| C&I | $4.56M |
| Agriculture | $624K |
| Other | $53.5M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.64%16th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE3.75%10th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.42%26th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR68.44%33rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP−2.26%11th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+1.45%26th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.50%45th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ17.35%95th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.86%28th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC65%16th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.64%35th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 0.95%90th 1.64%Observations 27
ROE
FDIC
NETINC + ROE3.75%31st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.59%Median 7.95%90th 13.78%Observations 27
NIM
FDIC
NIM + NIMY3.42%35th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.73%90th 4.71%Observations 27
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR68.44%42nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.98%Median 63.54%90th 89.92%Observations 27
Deposits YoY
FDIC
DEP−2.26%12th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.67%Median +0.94%90th +9.72%Observations 27
Loans YoY
FDIC
LNLSNET+1.45%23rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.01%Median +4.15%90th +13.29%Observations 27
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.50%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.50%90th 2.27%Observations 27
Leverage
FDIC
RBC1AAJ17.35%88th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.07%Median 11.19%90th 17.92%Observations 27
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.86%31st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.78%Median 2.49%90th 3.53%Observations 27
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC65%5th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 68%Median 221%90th 328%Observations 20
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.64%31st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.23%Median 0.97%90th 1.66%Observations 14
ROE
FDIC
NETINC + ROE3.75%23rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.30%Median 9.01%90th 13.06%Observations 14
NIM
FDIC
NIM + NIMY3.42%15th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.16%Median 3.86%90th 4.67%Observations 14
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR68.44%31st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.90%Median 63.42%90th 91.80%Observations 14
Deposits YoY
FDIC
DEP−2.26%15th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.99%Median +0.00%90th +5.74%Observations 14
Loans YoY
FDIC
LNLSNET+1.45%31st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.03%Median +4.47%90th +12.96%Observations 14
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.50%38th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.41%90th 1.71%Observations 14
Leverage
FDIC
RBC1AAJ17.35%92nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.34%Median 12.15%90th 17.19%Observations 14
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.86%8th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.47%Median 2.14%90th 2.85%Observations 14
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC65%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 68%Median 217%90th 292%Observations 10
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 7 branches
- Headquarters
- Salisbury, MD
FDIC
OFFDOMOpen the Maryland dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data