Side-by-side · Q2 2026 data
Woodsboro 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 | Woodsboro Bank | First Shore Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 97 (stronger) | 73 |
| Earnings | 65 (stronger) | 51 |
| Funding & liquidity | 74 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 43rd | 72nd |
| Total assets | $483.3M | $366.5M |
| Deposits / shares | $445.9M | $303.4M |
| Capital ratio | 8.77% | 17.39% (stronger) |
| Problem loans | 0.09% (stronger) | 0.82% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 1.11% (stronger) | 0.77% |
| Loans ÷ deposits | 76.2% (stronger) | 93.4% |
| Uninsured deposits | 24.1% | 12.3% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.1% | — |
First Shore Federal Savings and Loan Association has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Woodsboro Bank 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.