Side-by-side · Q2 2026 data
Hebron Savings Bank 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 | Hebron Savings Bank | First Shore Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 88 (stronger) | 78 |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 97 (stronger) | 73 |
| Earnings | 87 (stronger) | 51 |
| Funding & liquidity | 73 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 92nd | 72nd |
| Total assets | $838.8M | $366.5M |
| Deposits / shares | $723.0M | $303.4M |
| Capital ratio | 13.35% | 17.39% (stronger) |
| Problem loans | 0.08% (stronger) | 0.82% |
| Net charge-offs | -0.07% (stronger) | 0.00% |
| Return on assets | 1.68% (stronger) | 0.77% |
| Loans ÷ deposits | 87.1% (stronger) | 93.4% |
| Uninsured deposits | 15.3% | 12.3% (stronger) |
| Offices | 14 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | — |
Hebron Savings Bank has the higher TellerScore (88 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Hebron Savings Bank leads on 5 and First Shore Federal Savings and Loan Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Salisbury, MD
- Berlin, MD
- Pocomoke City, MD