First Shore Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Shore Federal Savings and Loan Association of Salisbury, MD against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.91% | 1.34% | -0.43% | 29th below |
| ROAE | 5.35% | 13.32% | -7.97% | 15th bottom |
| Net Interest Margin | 3.45% | 3.93% | -0.48% | 25th below |
| Efficiency Ratio | 69.59% | 61.14% | +8.45% | 29th below |
| PPNR / Avg Assets | 1.04% | 1.68% | -0.64% | 22nd bottom |
| Yield on Earning Assets | 5.52% | 5.67% | -0.15% | 46th below |
| Cost of Funds | 2.16% | 1.88% | +0.28% | 28th below |
| Net Interest Spread | 2.65% | 3.32% | -0.67% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.79% | 0.94% | -0.15% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.66% | 0.70% | -0.04% | 31st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 41st below |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) | 161.62% | 1539.21% | -1377.59% | 42nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.75% | 7.33% | -3.58% | 48th below |
| Provision / NCO | 114.29% | 1396.18% | -1281.89% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 27.67% | 19.50% | +8.17% | 91st top |
| Tier 1 Ratio | 27.67% | 19.53% | +8.14% | 91st top |
| Total Capital Ratio | 28.92% | 20.62% | +8.30% | 91st top |
| Leverage Ratio | 17.39% | 12.14% | +5.25% | 93rd top |
| Equity / Assets | 16.98% | 11.37% | +5.61% | 93rd top |
| TCE / Tangible Assets | 16.98% | 11.09% | +5.89% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.63% | 80.63% | +14.00% | 19th bottom |
| Core Deposit Ratio | 89.89% | 86.86% | +3.03% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.21% | 6.85% | -6.64% | 21st bottom |
| Loan Growth (Y/Y) | 0.16% | 7.91% | -7.75% | 23rd bottom |
| Deposit Growth (Y/Y) | 0.65% | 6.29% | -5.64% | 27th below |
See First Shore Federal Savings and Loan Association's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Shore Federal Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Shore Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.