FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION
FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION is an FDIC-insured commercial bank headquartered in SALISBURY, MD, established in 1953. As of , the bank reported total assets of $359M and total deposits of $297M. Profitability stands at 0.52% ROA and 3.09% ROE, with a net interest margin of 3.95%. CET1 capital ratio: 26.42%, well above regulatory minimums. NPL ratio: 0.47% · Texas Ratio: 2.11%. Operates 7 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
First Shore Federal Savings and Loan Association rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 26.42% | 0.52% | 0.47% | 2.11% | 3.95% |
| 2025-09-30 | 25.79% | 0.59% | 0.52% | 2.36% | 3.39% |
| 2025-06-30 | 26.04% | 0.52% | 0.38% | 1.71% | 3.22% |
| 2025-03-31 | 26.08% | 0.51% | 0.38% | 1.74% | 3.08% |
| 2024-12-31 | 25.96% | 0.37% | 0.37% | 1.71% | 3.12% |
| 2024-09-30 | 26.08% | 0.70% | 0.38% | 1.72% | 3.05% |
| 2024-06-30 | 25.90% | 0.77% | 0.23% | 1.07% | 3.15% |
| 2024-03-31 | 25.75% | 0.72% | 0.23% | 1.07% | 3.16% |
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Frequently asked about FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION
What are First Shore Federal Savings and Loan Association's total assets?
As of the Q4 2025 filing, First Shore Federal Savings and Loan Association reported total assets of $358.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Shore Federal Savings and Loan Association headquartered?
First Shore Federal Savings and Loan Association is headquartered in SALISBURY, MD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Shore Federal Savings and Loan Association founded?
First Shore Federal Savings and Loan Association was established in 1953, per the FDIC institution directory.
Is First Shore Federal Savings and Loan Association FDIC-insured?
Yes. First Shore Federal Savings and Loan Association is an FDIC-insured commercial bank (FDIC Certificate #30680). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Shore Federal Savings and Loan Association?
First Shore Federal Savings and Loan Association's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Shore Federal Savings and Loan Association's CET1 capital ratio?
First Shore Federal Savings and Loan Association reported a Common Equity Tier 1 (CET1) capital ratio of 26.42% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First Shore Federal Savings and Loan Association operate?
First Shore Federal Savings and Loan Association operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Shore Federal Savings and Loan Association's Texas Ratio?
First Shore Federal Savings and Loan Association's Texas Ratio is 2.11% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.