First Shore Federal Savings and Loan Association

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.25%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
0.15%	Savings	1.90% - American Express National Bank High Yield Savings Account
0.10%	1-year CD	2.60% - Capital One 12 Month 360 CD

View all First Shore Federal Savings and Loan Association rates »

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 31^st largest bank in the state of Maryland. It is also the 2,180^th largest bank in the nation. It was established in 1953 and as of June of 2018, it had grown to 73 employees at 8 locations. First Shore Federal Savings and Loan Association's CD rates are 2X the national average, and it has a B+ health rating.

Overall
FDIC Certificate #	30680
Year Established	1953
Employees	73
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.78%
Return on Equity - YTD	5.14%
Annual Interest Income	$6.2MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$300.8MM$304.1MM
Loans	Q2 2018vs Q2 2017	$245.3MM$239.8MM
Deposits	Q2 2018vs Q2 2017	$244.8MM$251.8MM
Equity Capital	Q2 2018vs Q2 2017	$45.7MM$44.0MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$2.4MM$2.5MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$5.2MM$6.9MM
Real Estate Owned	Q2 2018vs Q2 2017	$137.00K$204.00K

Rates

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Money Market
Checking
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First Shore Federal Savings and Loan Association Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$200	-	Statement Savings
0.15%	$100	-	Christmas Club

First Shore Federal Savings and Loan Association Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$100k^*	-	Gold Money Market
OTHER TIERS: 0.15% → $2.5k - $25k \| 0.20% → $25k - $100k
0.20%^*	$2.5k^*	-	Money Market
OTHER TIERS: 0.15% → $1k - $2.5k

First Shore Federal Savings and Loan Association Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$5k^*	-	Super NOW Account
OTHER TIERS: 0.05% → $2.5k - $5k
0.10%^*	$5k^*	-	Non Profit NOW Checking
OTHER TIERS: 0.05% → $2.5k - $5k
0.05%	$2.5k	-	NOW Account

First Shore Federal Savings and Loan Association CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%	$500	-	60 Month CD
2.25%	$500	-	60 Month Rising Rate CD
2.25%	$500	-	36-47 Month CD
2.25%	$500	-	48-59 Month CD
2.00%	$500	-	12-17 Month CD
1.74%	$200	-	12 Month Add To CD
1.10%	$500	-	24-35 Month CD
1.00%	$500	-	18 Month Rising Rate CD
1.00%	$10k	-	24 Month Rising Rate CD
0.25%	$500	-	18-23 Month CD
0.15%	$500	-	6-11 Month CD
0.15%	$500	-	3-5 Month CD
0.10%	$500	-	10 Month Freedom CD

First Shore Federal Savings and Loan Association IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%	$250	-	60 Month IRA
2.42%	$25	-	18 Month Variable Rate IRA
2.25%	$250	-	60 Month Rising Rate IRA
2.25%	$250	-	36-47 Month IRA
2.25%	$250	-	48-59 Month IRA
2.00%	$250	-	12-17 Month IRA
1.10%	$250	-	24-35 Month IRA
1.00%	$250	-	18 Month Rising Rate IRA
1.00%	$10k	-	24 Month Rising Rate IRA
0.25%	$250	-	18-23 Month IRA
0.15%	$250	-	3-5 Month IRA
0.15%	$250	-	6-11 Month IRA
0.10%	$250	-	10 Month Freedom IRA

Locations

First Shore Federal Savings and Loan Association Locations
Atlantic Avenue Branch	Rt 26 Atlantic Avenue	Ocean View, DE 19970
Millsboro Branch	220 Washington St	Millsboro, DE 19966
First Shore Federal Savings and Loan Association	106 S. Division Street	Salisbury, MD 21801
107 Green Street Branch	107 Green Street	Snow Hill, MD 21863
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

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