Side-by-side · Q2 2026 data
Bank of Ocean City vs First Shore Federal Savings and Loan Association
Bank
First Shore Federal Savings and Loan Association
Salisbury, Maryland · $100 million – $1 billion
Metric by metric
| Measure | Bank of Ocean City | First Shore Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 75 | 78 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 80 (stronger) | 73 |
| Earnings | 75 (stronger) | 51 |
| Funding & liquidity | 74 (stronger) | 67 |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 61st | 72nd |
| Total assets | $695.0M | $366.5M |
| Deposits / shares | $616.5M | $303.4M |
| Capital ratio | 11.65% | 17.39% (stronger) |
| Problem loans | 0.59% (stronger) | 0.82% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.37% (stronger) | 0.77% |
| Loans ÷ deposits | 84.3% (stronger) | 93.4% |
| Uninsured deposits | 16.6% | 12.3% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Shore Federal Savings and Loan Association has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank of Ocean City leads on 4 and First Shore Federal Savings and Loan Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.