First Shore Federal Savings and Loan Association

BankSalisbury, Maryland
www.firstshorefederal.com

Total Assets

$358.9M

Total Deposits

$297.0M

Branches

7

Established

1953

TFS Health Grade

$
C

76.2 / 100

Average financial health

How we grade

First Shore Federal Savings and Loan Association is a bank headquartered in Salisbury, Maryland, established in 1953. With $358.9M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (76.2/100).

Capital & Safety

Tier 1 Capital Ratio
17.04%(8%)
Total Capital Ratio
27.70%(10%)
Non-Performing Loan Ratio
0.47%

Profitability

Return on Assets (ROA)
0.55%(1%)
Return on Equity (ROE)
3.37%(10%)
Net Interest Margin
3.30%
Efficiency Ratio
79.16%(60%)

Lending & Liquidity

Total Loans
$291.2M
Loan-to-Deposit Ratio
96.81%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
-2.10%
Deposit Growth (YoY)
-2.12%
Net Income
$2.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Other banks in Maryland