BlastPoint's Banking Scorecard
First Shore Federal Savings and Loan Association
Micro
Specialty: Mortgage
MD
FDIC cert 30680
Designations: ✓ Community bank ✓ Mutual
Salisbury, MD
2498
banks in Micro tier nationally
10 in MD
View Micro leaderboard (MD) →
First Shore Federal Savings and Loan Association demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 17.59% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$358.9M
-2.1% YoY
-0.9% QoQ
|
+$141.5M |
$217.5M
+2.3% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$287.5M
+2.6% YoY
-0.8% QoQ
|
+$148.3M |
$139.2M
+2.8% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$297.0M
-2.1% YoY
-0.1% QoQ
|
+$113.3M |
$183.7M
+1.8% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.55%
-13.6% YoY
+1.9% QoQ
|
-0.53% |
1.08%
+14.7% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.30%
+4.3% YoY
+1.1% QoQ
|
-0.55% |
3.85%
+6.6% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
79.16%
+5.5% YoY
+2.6% QoQ
|
+11.44% |
67.73%
-4.8% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.48%
+29.5% YoY
-8.8% QoQ
|
-0.16% |
0.64%
+24.4% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
96.81%
+4.8% YoY
-0.7% QoQ
|
+22.29% |
74.53%
+0.5% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.40%
+196.6% YoY
+210.7% QoQ
|
-4.99% |
22.39%
-1.3% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.38%
+35.7% YoY
-8.6% QoQ
|
-0.07% |
0.45%
+25.1% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
26.44%
+1.9% YoY
+2.5% QoQ
|
+17.59% |
8.85%
-3.4% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.24%
+18.6% YoY
+37.0% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
26.44%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Tier 1 Capital Ratio
Current: 26.44% · Tier avg: 8.85%
90
90th pctile
Total Loans
Current: $287.5M · Tier avg: $139.2M
88
88th pctile
Loan-to-Deposit Ratio
Current: 96.81% · Tier avg: 74.53%
82
82th pctile
Total Assets
Current: $358.9M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $297.0M · Tier avg: $183.7M
46
46th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.64%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.45%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.40% · Tier avg: 22.39%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
25
25th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
22
22th pctile
Efficiency Ratio
Current: 79.16% · Tier avg: 67.73%
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
Top Weaknesses
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
22
22th pctile
Efficiency Ratio
Current: 79.16% · Tier avg: 67.73%
25
25th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.40% · Tier avg: 22.39%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.45%
46
46th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.64%
81
81th pctile
Total Deposits
Current: $297.0M · Tier avg: $183.7M
82
82th pctile
Total Assets
Current: $358.9M · Tier avg: $217.5M
88
88th pctile
Loan-to-Deposit Ratio
Current: 96.81% · Tier avg: 74.53%
90
90th pctile
Total Loans
Current: $287.5M · Tier avg: $139.2M
94
94th pctile
Tier 1 Capital Ratio
Current: 26.44% · Tier avg: 8.85%