Side-by-side · Q2 2026 data
First Shore Federal Savings and Loan Association vs BayVanguard Bank
Bank
First Shore Federal Savings and Loan Association
Salisbury, Maryland · $100 million – $1 billion
Metric by metric
| Measure | First Shore Federal Savings and Loan Association | BayVanguard Bank |
|---|---|---|
| TellerScore | 78 | 80 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 73 | 84 (stronger) |
| Earnings | 51 | 60 (stronger) |
| Funding & liquidity | 67 (stronger) | 52 |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 72nd | 77th |
| Total assets | $366.5M | $868.7M |
| Deposits / shares | $303.4M | $689.1M |
| Capital ratio | 17.39% (stronger) | 17.13% |
| Problem loans | 0.82% | 0.48% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 0.77% | 1.01% (stronger) |
| Loans ÷ deposits | 93.4% (stronger) | 102.2% |
| Uninsured deposits | 12.3% (stronger) | 20.7% |
| Offices | 7 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.3% |
BayVanguard Bank has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First Shore Federal Savings and Loan Association leads on 3 and BayVanguard Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.