First Shore Federal Savings and Loan Association: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loan-to-deposit ratio dropped 2.07 percentage points in Q2 2026, from 96.70% to 94.63%. It was the largest change from Q1 2026 among the key lines here. Within Maryland, First Shore Federal Savings and Loan Association is 6th of 27 on loan-to-deposit ratio, 94.63% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Shore Federal Savings and Loan Association sits 13.80 points higher, at 94.63% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.63% |
| Net loans and leases to deposits | 93.42% |
| Loans and leases to core deposits | 105.28% |
| Core deposits to total deposits | 89.89% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 93.24% | 93.11% | $0 | $0 |
| Q4 2023 | 96.37% | 92.38% | $0 | $4.0M |
| Q1 2024 | 93.77% | 91.54% | $0 | $4.0M |
| Q2 2024 | 94.69% | 90.87% | $0 | $4.0M |
| Q3 2024 | 94.88% | 90.77% | $0 | $4.0M |
| Q4 2024 | 93.61% | 91.19% | $0 | $4.0M |
| Q1 2025 | 93.20% | 90.81% | $0 | $4.0M |
| Q2 2025 | 95.10% | 90.82% | $0 | $4.0M |
| Q3 2025 | 98.77% | 90.71% | $0 | $4.0M |
| Q4 2025 | 98.06% | 91.09% | $0 | $0 |
| Q1 2026 | 96.70% | 90.60% | $0 | $0 |
| Q2 2026 | 94.63% | 89.89% | $0 | $0 |
First Shore Federal Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Shore Federal Savings and Loan Association, freeSource: Call Report Schedules RC and RC-M, 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)