First Shore Federal Savings and Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 99.83 percentage points in Q2 2026, from 261.45% to 161.62%. It was the largest change from Q1 2026 among the key lines here. Within Maryland, First Shore Federal Savings and Loan Association is 15th of 27 on return on assets, 0.91% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Shore Federal Savings and Loan Association sits 0.34 points lower, at 0.91% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 27.67% |
| Tier 1 risk-based capital ratio | 27.67% |
| Total risk-based capital ratio | 28.92% |
| Tier 1 leverage ratio | 17.39% |
| Equity capital to assets | 16.98% |
| Tangible equity to tangible assets | 16.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.79% |
| Non-performing assets ratio | 0.66% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 3.75% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 161.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.91% |
| Return on equity | 5.35% |
| Net interest margin | 3.45% |
| Efficiency ratio | 69.59% |
| Yield on earning assets | 5.52% |
| Cost of funds | 2.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.63% |
| Core deposits to total deposits | 89.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.76% |
| Securities to assets | 5.40% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 26.35% | 26.35% | 27.61% | 17.09% | 0.71% |
| Q4 2023 | 25.63% | 25.63% | 26.89% | 17.07% | 0.87% |
| Q1 2024 | 25.75% | 25.75% | 27.01% | 16.54% | 0.72% |
| Q2 2024 | 25.90% | 25.90% | 27.15% | 16.34% | 0.76% |
| Q3 2024 | 26.08% | 26.08% | 27.34% | 16.60% | 0.70% |
| Q4 2024 | 25.96% | 25.96% | 27.22% | 16.44% | 0.37% |
| Q1 2025 | 26.08% | 26.08% | 27.33% | 16.41% | 0.52% |
| Q2 2025 | 26.04% | 26.04% | 27.29% | 16.48% | 0.52% |
| Q3 2025 | 25.79% | 25.79% | 27.05% | 16.83% | 0.59% |
| Q4 2025 | 26.42% | 26.42% | 27.68% | 17.03% | 0.52% |
| Q1 2026 | 27.43% | 27.43% | 28.69% | 17.35% | 0.64% |
| Q2 2026 | 27.67% | 27.67% | 28.92% | 17.39% | 0.91% |
First Shore Federal Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Shore Federal Savings and Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)