First Shore Federal Savings and Loan Association
Salisbury, MD · Cert 30680 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 7 branches
Q2 2026
$366.5MAssets
$287.1MLoans
$303.4MDeposits
$62.3MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 86% of banks under $1B in assets (rank 91 of 629).
- Widest gap: return on equity trails 79% of banks under $1B in assets (rank 500 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.76%
Rank 427 of 629
Net Interest Margin
3.23%
Rank 413 of 629
Efficiency Ratio
69.08%
Rank 334 of 629
Equity / Assets
16.98%
Rank 108 of 629
Non-interest income vs. expense
Unfavorable gap of $7.9M · efficiency ratio beats 47% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.60% | 1.01% | 1.45% | Beats 32% | 427 / 629 | | |
| Return on Equity | 4.50% | 5.38% | 9.30% | 13.28% | Beats 21% | 500 / 629 | | |
| Net Interest Margin | 3.23% | 3.03% | 3.54% | 4.05% | Beats 34% | 413 / 629 | | |
| Efficiency Ratio | 69.08% | 58.35% | 67.79% | 79.08% | Beats 47% | 334 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.09% | 0.46% | 1.20% | Beats 35% | 377 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 64% | 212 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 27.67% | 11.24% | 13.84% | 18.77% | Beats 86% | 91 / 629 | | |
| Total Risk-Based Capital Ratio | 28.92% | 11.58% | 14.43% | 19.66% | Beats 86% | 88 / 629 | | |
| Equity / Assets | 16.98% | 9.09% | 10.65% | 13.80% | Beats 83% | 108 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.63% | 67.24% | 80.90% | 93.48% | 78th pctl | 132 / 594 | | |
| Loans / Assets | 78.32% | 53.31% | 67.71% | 78.15% | 76th pctl | 154 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |