First Shore Federal Savings and Loan Association

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.firstshorefederal.com

410-546-1101

106 S. Division Street
Salisbury, MD 21801

First Shore Federal Savings and Loan Association is headquartered in SALISBURY and is the 22^nd largest bank in the state of Maryland. It is also the 2,190^th largest bank in the nation. It was established in 1953 and as of March of 2025, it had grown to 68 employees at 7 locations. First Shore Federal Savings and Loan Association has an A+ health rating.

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Health

A+

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	30680
Year Established	1953
Employees	68
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.51%
Return on Equity - YTD	3.23%
Annual Interest Income	$4.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$369.8MM$357.8MM
Loans	Q1 2025vs Q1 2024	$281.4MM$274MM
Deposits	Q1 2025vs Q1 2024	$306MM$296.6MM
Equity Capital	Q1 2025vs Q1 2024	$59.1MM$56.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3.8MM$4.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.1MM$649K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for First Shore Federal Savings and Loan Association are currently being reviewed.

Locations

First Shore Federal Savings and Loan Association Locations
First Shore Federal Savings and Loan Association	106 S Division St	Salisbury, MD 21801
Ocean Pines Branch	11029 Racetrack Road	Berlin, MD 21811
Corner Of Mt Hermon Branch	1116 Mt. Hermon Road	Salisbury, MD 21804
1315 Market St Branch	1315 Market Street	Pocomoke City, MD 21851
North Main Street Branch	310 Franklin Avenue	Berlin, MD 21811
Atlantic Avenue Branch	Rt 26 Atlantic Avenue	Ocean View, DE 19970
Millsboro Branch	220 Washington St	Millsboro, DE 19966

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