C
First Shore Federal Savings and Loan Association
Rating Date
October 2025
Risk Based
Capital Ratio
27.29
Leverage
Ratio
16.48
Return On
Assets
0.52%
Total
Assets
365.78M
Capital
59.67M
Total
Deposits
301.40M
Net
Income
953.00K
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Weiss Ratings First Shore Federal Savings and Loan Association
Salisbury, MD 		Click to
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Rating C
Asset Quality Index 8.00
Capitalization Index 10.00
Liquidity Index 0.50
Profitability Index 1.80
Stability Index 8.00
Company Info First Shore Federal Savings and Loan Association
Salisbury, MD 		Click to
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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
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1-Year Asset Growth 1.87%
5-Year Asset Growth 2.97%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.30%
Non-Performing Loans to Capital 1.69%
Non-Performing Loans to Loans 0.38%
Balance Sheet First Shore Federal Savings and Loan Association
Salisbury, MD 		Click to
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Total Assets 365.78M
Total Deposits 301.40M
Capital and Reserves First Shore Federal Savings and Loan Association
Salisbury, MD 		Click to
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Capital 59.67M
Leverage Ratio 16.48
Loan Loss Reserves to Loans 1.34%
Risk-Based Capital Ratio 27.29
Liquidity First Shore Federal Savings and Loan Association
Salisbury, MD 		Click to
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Hot Money Ratio 31.53%
Liquidity Ratio 17.76%
Profitability First Shore Federal Savings and Loan Association
Salisbury, MD 		Click to
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5-Year Return on Average Assets 0.72%
Net Income 953.00K
Net Interest Spread 3.16%
Operating Profit to Average Assets 0.74%
Overhead Efficiency Ratio 75.19%
Return on Assets 0.52%
Return on Equity 3.23%