Compared with Maryland
5 of 13
compared fees are above the median.
3 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
7th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Maryland median
of 13 compared; 3 below, 5 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for First Shore Federal Savings and Loan Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Maryland median | Published fees above the Maryland median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Shore Federal Savings and Loan Association's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.5% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (7th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $16K in Q2 2026, 41% below the same quarter a year earlier ($27K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
5 of 13 compared published fees sit above the Maryland median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Maryland medians for fees published by banks and credit unions.
Cashier's Check
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 41% from Q3 2025 to Q2 2026, to $16K. Its share of revenue, 0.5%, is below the 2.1% median for banks with $300M to $1B in assets.
$16K
First Shore Federal Savings and Loan AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
First Shore Federal Savings and Loan Association · $367M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Shore Federal Savings and Loan Association(this institution) | Salisbury, MD | $367M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| AmeriFirst Bank | Montgomery, AL | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Commercial Bank & Trust Company | Monticello, AR | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Community Bank | Lexington, TN | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Desjardins Bank, National Association | Hallandale, FL | $362M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers & Merchants Bank | Miamisburg, OH | $359M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank in Port Lavaca | Port Lavaca, TX | $361M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Nebraska Bank | Valley, NE | $371M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Bank | Stratford, TX | $372M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| FlatIrons Bank | Boulder, CO | $370M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Georgia Community Bank | Albany, GA | $375M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Great Southern Bank | Meridian, MS | $355M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heritage Bank National Association | Spicer, MN | $361M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ireland Bank | Malad City, ID | $355M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Logan Bank & Trust Company | Logan, WV | $359M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Native American Bank, National Association | Denver, CO | $362M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| OSB Community Bank | Ottawa, IL | $356M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pioneer Bank | Stanley, VA | $372M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Premier Bank | Dubuque, IA | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| ProGrowth Bank | Nicollet, MN | $365M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rabun County Bank | Clayton, GA | $362M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Street Bank and Trust Company | Quincy, IL | $357M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Farmers Bank of Appomattox | Appomattox, VA | $375M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Gordon | Gordon, NE | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The First National Bank of Mount Dora | Mount Dora, FL | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Fisher National Bank | Fisher, IL | $376M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.48 among 16 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.
Monthly maintenance fee in dollars, one mark per institution
First Shore Federal Savings and Loan Association does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for First Shore Federal Savings and Loan Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $16K | −$6K | −27.3% |
| Q1 2026 | $22K | −$1K | −4.3% |
| Q4 2025 | $23K | −$4K | −14.8% |
| Q3 2025 | $27K | $0 | 0.0% |
| Q2 2025 | $27K | +$6K | +28.6% |
| Q1 2025 | $21K | $0 | 0.0% |
| Q4 2024 | $21K | −$1K | −4.5% |
| Q3 2024 | $22K | +$2K | +10.0% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, First Shore Federal Savings and Loan Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Shore Federal Savings and Loan Association by share.
Amounts from First Shore Federal Savings and Loan Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Club Premature Closeout Fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | one time | None |
| Account Inactivity Fee (annually) | $10Not compared: Annual charge, not monthly | per year | None |
| Account Research (per hour, 1 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Protection Transaction Fee (per item) | $6Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer Fee | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per transaction | None |
| Incoming Domestic Wire Transfer Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per transaction | None |
Check Services | |||
| Cashier's Check Fee | $7.50Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee (Check or electronic transfer item) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks - For DDA (per 3) | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Items Presented for Collection Fee | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of Check/Deposit Ticket/Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Levies/Garnishments (Other attachments to account) | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA Custodial Fee | No chargeBelow the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| IRA Transfer Fee (outgoing) | $25Inside the U.S. middle 50% ($25 to $35 nationally) | one time | None |
Other Fees | |||
| Account History Print Out (per page) | $2.50Not compared: Charged per page; comparison unavailable | per page | | Account History Print Out (per page) | $2.50 | |
| $675 Processing Fee | $675Above the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Shore Federal Savings and Loan Association operates, and what regulators and customers have on file.
Branch footprint
7 offices in 2 states, $303.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $162.4M | |
| Outside a metro area | 5 | $141.0M |
Salisbury, MD
6.2% of bank deposits, #8 of 10, up 5.9 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Hebron Savings Bank | 20.1% |
| PNC Bank, National Association | 19.4% |
| Burke & Herbert Bank & Trust Company | 14.1% |
| The Farmers Bank of Willards | 12.9% |
| Manufacturers and Traders Trust Company | 10.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Salisbury, MD, First Shore Federal Savings and Loan Association holds 6.2% of bank deposits, #8 of 10, with 2 offices.
42 offices of 13 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 10 institutions shown. $2.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 6.2% share, 2 offices, #8 of 10
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
5 offices of 4 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC
The OCC has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.