First Shore Fs&La (FDIC #30680): Bank Stress & Real-Estate Credit Exposure
First Shore Fs&La (FDIC Cert #30680): bank stress 50/100, moderate, STABLE over 7 days.
First Shore Fs&La (#30680) lends in 3 counties across 2 states; First Shore Fs&La (#30680) reaches 49 ZIP codes: Maryland 2 counties, 26 ZIPs; Delaware 1 county, 24 ZIPs.
First Shore Fs&La (#30680) largest markets: Sussex County, DE (48 branches, 24 ZIPs) (#30680), Wicomico County, MD (32 branches, 16 ZIPs) (#30680), Worcester County, MD (36 branches, 12 ZIPs) (#30680).
First Shore Fs&La (#30680) reports $366.5 million in total assets; First Shore Fs&La (#30680) equity $62.3 million (17.0% of First Shore Fs&La (#30680) assets); First Shore Fs&La (#30680) domestic deposits $303.4 million; First Shore Fs&La (#30680) net income $1.4 million; First Shore Fs&La (#30680) return on assets 0.77%; First Shore Fs&La (#30680) return on equity 4.55%; First Shore Fs&La (#30680) net interest income $5.9 million; First Shore Fs&La (#30680) call report June 30, 2026.
First Shore Fs&La (#30680) noncurrent real-estate loans: none reported; First Shore Fs&La (#30680) net charge-offs on real estate 0.72%; First Shore Fs&La (#30680) residential charge-offs 0.14%.
First Shore Fs&La (#30680) net interest margin 3.45% against an eight-quarter First Shore Fs&La (#30680) average of 3.27% (First Shore Fs&La (#30680) compression -0.19 points); First Shore Fs&La (#30680) non-residential real estate 14.1% of equity; First Shore Fs&La (#30680) rate-exposure score 40/100, First Shore Fs&La (#30680) fixed-rate trap 40/100; First Shore Fs&La (#30680) risk type credit driven; First Shore Fs&La (#30680) rate regime rates elevated, First Shore Fs&La (#30680) snapshot October 20, 2026.
First Shore Fs&La (#30680) stress score moved from 51.3 on June 22, 2026 to 50.4 on October 20, 2026; First Shore Fs&La (#30680) ranged 50.4 to 51.3 over 117 snapshots.
First Shore Fs&La (#30680) alerts: 3 counties; top First Shore Fs&La (#30680) alert scores: Millville County, MD 18 (low); Pocomoke City County, MD 18 (low); Salisbury County, MD 18 (low).