Bank · FDIC insured
First Shore Federal
Top CarrotA $366.5M bank headquartered in Salisbury, MD, with 7 branches in 2 states. Best rates: CDs 4.25% and savings 1.75% APY.
First Shore Federal Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#1 of 9 in Ocean Pines, MD metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Shore Federal
First Shore Federal was founded in 1953 by local businessmen to provide home mortgage funds and federally insured savings in the Salisbury area.
Headquartered in Salisbury, Maryland, the bank operates seven offices providing consumer and commercial banking services across Delmarva's Lower Eastern Shore.
- Headquarters
- 106 S Division St, Salisbury, MD 21801
- FDIC certificate
- 30680 ↗
Branches
7 branches in 2 states
Loading map…
Maryland
5 branches
Ocean Pines area · 3
- North Main Street Branch310 Franklin Ave, Berlin, MD 21811Directions
- Ocean Pines Branch11029 Racetrack Rd, Berlin, MD 21811Directions
- 1315 Market St Branch1315 Market St, Pocomoke City, MD 21851Directions
Salisbury area · 2
- First Shore Federal Savings and Loan AssociationMain office106 S Division St, Salisbury, MD 21801Directions
- Corner Of Mt Hermon Branch1116 Mount Hermon Rd, Salisbury, MD 21804Directions
Delaware
2 branches
- Millsboro Branch220 S Washington St, Millsboro, DE 19966Directions
- Atlantic Avenue Branch35742 Atlantic Avenue, Millville, DE 19967Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 17.39% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.82% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.77% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $95 | $81 | — |
- CapitalLeverage ratio17.39%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.82%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.77%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$95Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Shore Federal are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.