Bank Comparison
First Shore Federal Savings and Loan Association vs Peoples Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 11
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First Shore Federal Savings and Loan Association | Peoples Bank, the |
|---|---|---|
| CET1 Ratio | 27.43% | 24.82% |
| Tier 1 Capital Ratio | 27.43% | 24.82% |
| Total Capital Ratio | 28.69% | 26.07% |
| Tier 1 Leverage Ratio | 17.35% | 13.92% |
| Equity / Assets | 17.00% | 13.51% |
Profitability
| Metric | First Shore Federal Savings and Loan Association | Peoples Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.64% | 1.11% |
| Return on Equity (ROE) | 3.75% | 8.43% |
| Net Interest Margin (NIM) | 3.38% | 4.12% |
| Yield on Earning Assets | 5.45% | 4.48% |
| Cost of Funds | 2.37% | 0.41% |
Asset quality
| Metric | First Shore Federal Savings and Loan Association | Peoples Bank, the |
|---|---|---|
| Texas Ratio | 2.42% | 1.74% |
| Non-Performing Loan Ratio | 0.50% | 0.39% |
| Non-Performing Asset Ratio | 0.43% | 0.24% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.31% | 1.38% |
Balance sheet
| Metric | First Shore Federal Savings and Loan Association | Peoples Bank, the |
|---|---|---|
| Total Assets | $361,581K | $293,238K |
| Total Deposits | $299,130K | $252,016K |
| Total Loans | $289,262K | $178,776K |
| Total Equity | $61,454K | $39,631K |
| Net Income (quarter) | $574 | $825 |
Liquidity & funding
| Metric | First Shore Federal Savings and Loan Association | Peoples Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 96.70% | 70.94% |
| Core Deposit Ratio | 90.60% | 97.85% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Shore Federal Savings and Loan Association | Peoples Bank, the |
|---|---|---|
| Headquarters City | SALISBURY | CHESTERTOWN |
| Headquarters State | MD | MD |
| Asset Tier | Small | Small |
| Charter Class | 705740 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 7 | 1 |
| Employees (FTE) | 70 | 79 |
| Established | Dec. 18, 1953, midnight | Oct. 1, 1910, 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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