Side-by-side · Q2 2026 data
The Harbor Bank of Maryland 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 Harbor Bank of Maryland | First Shore Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 56 | 78 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 37 | 73 (stronger) |
| Earnings | 35 | 51 (stronger) |
| Funding & liquidity | 61 | 67 (stronger) |
| Problem-loan coverage | 83 | 92 (stronger) |
| Peer percentile | 13th | 72nd |
| Total assets | $383.2M | $366.5M |
| Deposits / shares | $323.8M | $303.4M |
| Capital ratio | 12.36% | 17.39% (stronger) |
| Problem loans | 1.89% | 0.82% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.37% | 0.77% (stronger) |
| Loans ÷ deposits | 69.9% (stronger) | 93.4% |
| Uninsured deposits | 41.2% | 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 56). On the 7 directional measures above (where higher or lower is clearly better), The Harbor Bank of Maryland leads on 2 and First Shore Federal Savings and Loan Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.