FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION

SALISBURY, MD | Small | Est. Dec. 18, 1953, midnight | FDIC #30680 | RSSD #59370 | OCC
Latest Report: 2025-12-31

FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION is asn small FDIC-insured commercial bank headquartered in SALISBURY, MD, established in Dec. 18, 1953, midnight. As of 2025-12-31, the bank reported total assets of $359M and total deposits of $297M. Profitability stands at 0.58% ROA and 3.47% ROE, with a net interest margin of 3.47%. The bank's CET1 capital ratio is 26.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.47% and a Texas Ratio of 2.11%. FDIC Certificate #30680.

Assets

$359M

Deposits

$297M

Loans

$291M

Equity

$61M

Profitability

Return on Assets (ROA) 0.58%
Return on Equity (ROE) 3.47%
Net Interest Margin (NIM) 3.47%
Yield on Assets 5.70%
Cost of Funds 2.48%

Asset Quality

NPL Ratio 0.47%
Net Charge-Off Ratio 0.02%
Texas Ratio 2.11%
NPA Ratio 0.38%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 26.44%
Tier 1 Capital 26.44%
Total Capital Ratio 27.70%
Leverage Ratio 17.04%
Loan-to-Deposit 98.06%

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