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First Shore Federal Savings And Loan Association
Salisbury, MD · FDIC Certificate #30680 · Chartered 12/1
Total assets
$366.55M
Total deposits
$303.36M
Total equity
$62.26M
Net loans
$283.40M
Branches (offices)
7
Net income (YTD)
$1.40M
Rank: #2,181 of 4,213 U.S. banks by assets · #22 of 27 in Maryland. Assets changed 0.2% and deposits 0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.77% |
| Return on equity | 4.55% |
| Net interest margin (YTD) | 3.45% |
| Equity to assets | 16.98% |
| Tier 1 leverage ratio | 17.39% |
| Uninsured deposits (share of deposits) | 12.3% |
| Noncurrent loans (share of loans) | 0.82% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 93.4% |
| Real estate loans (share of loans) | 81.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $230.53M | 81.3% | |
| Commercial & industrial | $3.30M | 1.2% | |
| Consumer / individual | $53.22M | 18.8% | |
| Construction & development | $12.50M | 4.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $355.76M | $303.78M | $1.12M | $51.71M |
| Jun 2023 | $330.63M | $275.75M | $2.63M | $54.40M |
| Jun 2024 | $359.07M | $297.44M | $1.32M | $57.30M |
| Jun 2025 | $365.78M | $301.40M | $953.00K | $59.67M |
| Jun 2026 | $366.55M | $303.36M | $1.40M | $62.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $282.05M | 5 |
| Delaware | $21.31M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $303.36M.
Similar-sized banks
American Bank ($366.61M) · West View Savings Bank ($365.12M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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