Side-by-side · Q2 2026 data
The Farmers Bank of Willards 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 | The Farmers Bank of Willards | First Shore Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 76 | 78 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 77 (stronger) | 73 |
| Earnings | 74 (stronger) | 51 |
| Funding & liquidity | 77 (stronger) | 67 |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 64th | 72nd |
| Total assets | $547.6M | $366.5M |
| Deposits / shares | $472.6M | $303.4M |
| Capital ratio | 12.13% | 17.39% (stronger) |
| Problem loans | 0.70% (stronger) | 0.82% |
| Net charge-offs | 0.11% | 0.00% (stronger) |
| Return on assets | 1.35% (stronger) | 0.77% |
| Loans ÷ deposits | 83.0% (stronger) | 93.4% |
| Uninsured deposits | 14.3% | 12.3% (stronger) |
| Offices | 7 | 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 76). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank of Willards leads on 3 and First Shore Federal Savings and Loan Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.