TellerScore

First Shore Federal Savings and Loan Association is a savings bank headquartered in Salisbury, Maryland, in business for about 73 years. At the end of Q2 2026 it reported $366.5M in total assets and $303.4M in deposits, with 7 offices across 2 states.

First Shore Federal Savings and Loan Association has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 27 banks headquartered in Maryland, it ranks 6th. Capital cushion contributes the most (100/100, 17.39%); earnings contributes the least (51/100, 0.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 17.39%
Loan quality73/100
Noncurrent loans ÷ total loans: 0.82%
Earnings51/100
Return on assets (annualized): 0.77%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 93.4% · 12.3% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.75%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (80 → 78), mostly because the loan quality component weakened by 14 points.

TellerScore
788183Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202481
Q4 202481
Q1 202580
Q2 202580
Q3 202578
Q4 202578
Q1 202679
Q2 202678
Tier 1 leverage ratio
5.00%11.20%17.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.34%
Q3 202416.60%
Q4 202416.44%
Q1 202516.41%
Q2 202516.48%
Q3 202516.83%
Q4 202517.03%
Q1 202617.35%
Q2 202617.39%
Noncurrent loans
0.23%0.53%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.38%
Q4 20240.37%
Q1 20250.38%
Q2 20250.38%
Q3 20250.52%
Q4 20250.47%
Q1 20260.50%
Q2 20260.82%
Return on assets
0.51%0.64%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.73%
Q4 20240.64%
Q1 20250.51%
Q2 20250.52%
Q3 20250.54%
Q4 20250.54%
Q1 20260.64%
Q2 20260.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$366.5M17.39%0.82%0.77%93.4%
Q1 202679$361.6M17.35%0.50%0.64%95.4%
Q4 202578$358.9M17.03%0.47%0.54%96.8%
Q3 202578$362.3M16.83%0.52%0.54%97.5%
Q2 202580$365.8M16.48%0.38%0.52%93.8%
Q1 202580$369.8M16.41%0.38%0.51%92.0%
Q4 202481$366.6M16.44%0.37%0.64%92.4%
Q3 202481$361.2M16.60%0.38%0.73%93.6%
Q2 202483$359.1M16.34%0.23%0.74%93.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.39%
94th
Total risk-based capital28.92%
96th
Problem loans0.82%
33rd
Net charge-offs0.00%
52nd
Return on assets0.77%
22nd
Net interest margin3.45%
26th
Efficiency ratio69.1%
32nd
Loans to deposits93.4%
19th
Uninsured deposits12.3%
89th
Loan-loss reserves1.28%
61st
Texas ratio3.8%
43rd

Similar-size banks in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
The Harbor Bank of MarylandBank Baltimore, MD56 out of 100, Moderate$383.2M12.4%1.89%vs
The Bank of Glen BurnieBank Glen Burnie, MD60 out of 100, Moderate$394.9M8.8%0.25%vs
Eastern Savings Bank, FSBBank Hunt Valley, MD63 out of 100, Moderate$336.4M31.0%6.73%vs
Woodsboro BankBank Woodsboro, MD70 out of 100, Strong$483.3M8.8%0.09%vs
Arundel BankBank Glen Burnie, MD72 out of 100, Strong$492.1M14.0%0.44%vs
The Farmers Bank of WillardsBank Willards, MD76 out of 100, Strong$547.6M12.1%0.70%vs

Deposit insurance

Is my money safe at First Shore Federal Savings and Loan Association?

Yes. First Shore Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #30680). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.3% of deposits ($37.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 17.39%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 28.92% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

First Shore Federal Savings and Loan Association lists 7 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Shore Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
30680
RSSD ID
59370
Primary regulator
OCC
Established
December 18, 1953
Headquarters
106 S Division St, Salisbury, MD 21801
Employees
72

Quick answers

First Shore Federal Savings and Loan Association: common questions

Is First Shore Federal Savings and Loan Association FDIC insured?

Yes. First Shore Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #30680). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Shore Federal Savings and Loan Association's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Shore Federal Savings and Loan Association ever failed?

There is no failure record for FDIC certificate #30680 in the FDIC failed bank list.

How many branches does First Shore Federal Savings and Loan Association have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Salisbury

InstitutionScoreAssetsCapitalProblem loansCompare
Hebron Savings BankBank Hebron, MD88 out of 100, Very strong$838.8M13.4%0.08%vs
1897 Federal Credit UnionCredit union Salisbury, MD84 out of 100, Strong$3.6M29.5%0.00%vs
Tidemark Federal Credit UnionCredit union Seaford, DE83 out of 100, Strong$468.5M14.4%0.33%vs
Calvin B. Taylor Banking Company of Berlin, MarylandBank Berlin, MD81 out of 100, Strong$1.0B13.6%0.83%vs
BayVanguard BankBank Baltimore, MD80 out of 100, Strong$868.7M17.1%0.48%vs
First Financial of Maryland Federal Credit UnionCredit union Sparks, MD79 out of 100, Strong$1.4B16.7%0.54%vs