Bank Comparison
First Shore Federal Savings and Loan Association vs Harbor Bank of Maryland, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First Shore Federal Savings and Loan Association | Harbor Bank of Maryland, the |
|---|---|---|
| CET1 Ratio | 27.43% | — |
| Tier 1 Capital Ratio | 27.43% | — |
| Total Capital Ratio | 28.69% | — |
| Tier 1 Leverage Ratio | 17.35% | 12.47% |
| Equity / Assets | 17.00% | 12.35% |
Profitability
| Metric | First Shore Federal Savings and Loan Association | Harbor Bank of Maryland, the |
|---|---|---|
| Return on Assets (ROA) | 0.64% | 0.60% |
| Return on Equity (ROE) | 3.75% | 4.84% |
| Net Interest Margin (NIM) | 3.38% | 4.66% |
| Yield on Earning Assets | 5.45% | 5.46% |
| Cost of Funds | 2.37% | 0.87% |
Asset quality
| Metric | First Shore Federal Savings and Loan Association | Harbor Bank of Maryland, the |
|---|---|---|
| Texas Ratio | 2.42% | 14.97% |
| Non-Performing Loan Ratio | 0.50% | 3.42% |
| Non-Performing Asset Ratio | 0.43% | 1.95% |
| Net Charge-Off Ratio | 0.00% | -0.07% |
| ACL / Loans | 1.31% | 1.22% |
Balance sheet
| Metric | First Shore Federal Savings and Loan Association | Harbor Bank of Maryland, the |
|---|---|---|
| Total Assets | $361,581K | $381,698K |
| Total Deposits | $299,130K | $329,077K |
| Total Loans | $289,262K | $218,053K |
| Total Equity | $61,454K | $47,127K |
| Net Income (quarter) | $574 | $570 |
Liquidity & funding
| Metric | First Shore Federal Savings and Loan Association | Harbor Bank of Maryland, the |
|---|---|---|
| Loan-to-Deposit Ratio | 96.70% | 66.26% |
| Core Deposit Ratio | 90.60% | 97.35% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Shore Federal Savings and Loan Association | Harbor Bank of Maryland, the |
|---|---|---|
| Headquarters City | SALISBURY | BALTIMORE |
| Headquarters State | MD | MD |
| Asset Tier | Small | Small |
| Charter Class | 705740 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 7 | 7 |
| Employees (FTE) | 70 | 78 |
| Established | Dec. 18, 1953, midnight | Sept. 13, 1982, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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