First Shore Federal Savings and Loan Association: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Common equity Tier 1 capital edged up 1.3% between Q1 2026 and Q2 2026, to $63.1M. Among 20 Maryland banks, First Shore Federal Savings and Loan Association sits 2nd from the top on CET1 ratio, 27.67% as of Q2 2026. First Shore Federal Savings and Loan Association's CET1 ratio of 27.67% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 12.60 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 27.67% |
| Tier 1 risk-based capital ratio | 27.67% |
| Total risk-based capital ratio | 28.92% |
| Tier 1 leverage ratio | 17.39% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $63.1M |
| Tier 1 capital | $63.1M |
| Total risk-based capital | $65.9M |
| Total equity capital | $62.3M |
| Risk-weighted assets | $228.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.98% |
| Tangible equity to tangible assets | 16.98% |
| Equity capital to average assets | 17.17% |
| Internal capital growth rate | 5.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $63.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$818K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 26.35% | 26.35% | 27.61% | 17.09% | $215.1M |
| Q4 2023 | 25.63% | 25.63% | 26.89% | 17.07% | $224.1M |
| Q1 2024 | 25.75% | 25.75% | 27.01% | 16.54% | $225.4M |
| Q2 2024 | 25.90% | 25.90% | 27.15% | 16.34% | $226.9M |
| Q3 2024 | 26.08% | 26.08% | 27.34% | 16.60% | $227.6M |
| Q4 2024 | 25.96% | 25.96% | 27.22% | 16.44% | $230.0M |
| Q1 2025 | 26.08% | 26.08% | 27.33% | 16.41% | $230.8M |
| Q2 2025 | 26.04% | 26.04% | 27.29% | 16.48% | $233.0M |
| Q3 2025 | 25.79% | 25.79% | 27.05% | 16.83% | $237.3M |
| Q4 2025 | 26.42% | 26.42% | 27.68% | 17.03% | $233.4M |
| Q1 2026 | 27.43% | 27.43% | 28.69% | 17.35% | $226.9M |
| Q2 2026 | 27.67% | 27.67% | 28.92% | 17.39% | $228.0M |
First Shore Federal Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Shore Federal Savings and Loan Association, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Shore Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30680) · FFIEC NIC profile (RSSD 59370)