D
First Shore Federal Savings and Loan Association
Rating Date
March 2026
Risk Based
Capital Ratio
27.70
Leverage
Ratio
17.04
Return On
Assets
0.55%
Total
Assets
358.95M
Capital
61.00M
Total
Deposits
296.97M
Net
Income
2.01M
My Lists My Alerts
Weiss Ratings First Shore Federal Savings and Loan Association
Salisbury, MD 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating D
Asset Quality Index 7.90
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 3.30
Stability Index 8.00
Company Info First Shore Federal Savings and Loan Association
Salisbury, MD 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 30680
Phone Number (410) 546-1101
Website www.firstshorefederal.com
Asset Quality First Shore Federal Savings and Loan Association
Salisbury, MD 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth -2.10%
5-Year Asset Growth 1.89%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.38%
Non-Performing Loans to Capital 2.11%
Non-Performing Loans to Loans 0.47%
Balance Sheet First Shore Federal Savings and Loan Association
Salisbury, MD 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 358.95M
Total Deposits 296.97M
Capital and Reserves First Shore Federal Savings and Loan Association
Salisbury, MD 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 61.00M
Leverage Ratio 17.04
Loan Loss Reserves to Loans 1.26%
Risk-Based Capital Ratio 27.70
Liquidity First Shore Federal Savings and Loan Association
Salisbury, MD 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 31.05%
Liquidity Ratio 14.99%
Profitability First Shore Federal Savings and Loan Association
Salisbury, MD 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 0.72%
Net Income 2.01M
Net Interest Spread 3.33%
Operating Profit to Average Assets 0.74%
Overhead Efficiency Ratio 79.16%
Return on Assets 0.55%
Return on Equity 3.37%