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El Dorado Savings Bank, F.S.B.

Placerville, CA · Cert 30953

State savings bank · OCC · 35 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

94

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

54

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

El Dorado Savings Bank, F.S.B.

Placerville, CA · Cert 30953

State savings bank · OCC · 35 branches

Q2 2026

$2.4BAssets
$493.8MLoans
$2.1BDeposits
$336.2MEquity
Loan mix
100%RE $498.7M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $1.8B16%Noninterest $0.3BQ2 2025Q2 2026

NIM

2.90%Q2 ’243.39%Q2 ’253.47%Q2 ’26+10%+3%

Non-interest income vs. expense

1.69%Q2 ’241.65%Q2 ’251.73%Q2 ’26-2%+7%

Market Position · Sacramento-Roseville-Folsom, CA · 2026 SOD (annual) · 1.3% share · #9 of 37 inst. · $1.3B of $96.6B

18.3% El Dorado
0.7% Sacramento
26.8% Amador
27.0% Calaveras

Executive Summary

  • Earnings: ROA of 0.93%, down 3 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.28% of loans (+10 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.43%, up 74 bps from a year ago.
  • Funding: loans stand at 23.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.64%+7 bps YoY

Efficiency Ratio (YTD, annualized)

58.13%+165 bps YoY

Tier 1 Leverage Ratio

13.43%+74 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.97%0.97%0.94%0.93%-3 bps
Return on Equity7.47%7.56%7.49%7.04%6.92%-55 bps
Net Interest Margin2.57%2.57%2.57%2.62%2.64%+7 bps
Efficiency Ratio56.47%56.22%56.50%57.65%58.13%+165 bps
Non-Interest Burden1.32%1.32%1.33%1.40%1.42%+9 bps
Growth
Asset Growth (YoY)2.97%3.23%3.06%0.83%-1.38%-435 bps
Loan Growth (YoY)-3.68%-3.41%-3.65%-4.90%-5.79%-211 bps
Deposit Growth (YoY)2.75%2.96%2.66%0.08%-2.44%-520 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.23%0.37%0.22%0.28%+10 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.01%0.01%-1 bps
Allowance / Loans1.14%1.15%1.17%1.19%1.19%+5 bps
Allowance Coverage of NPLs6.4x4.9x3.2x5.4x4.3x-2.1x
Capital
Tier 1 Leverage Ratio12.69%12.71%12.94%13.11%13.43%+74 bps
Total Risk-Based Capital52.26%53.59%53.78%54.17%54.20%+193 bps
Equity / Assets12.87%13.01%13.25%13.43%13.79%+92 bps
Liquidity & Funding
Loans / Deposits24.45%24.16%23.87%23.46%23.61%-84 bps
Liquid Assets / Assets75.84%76.11%76.45%76.86%76.75%+91 bps
CRE / Total Capitaln/a0.61%0.59%0.58%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

El Dorado Savings Bank, F.S.B.

Placerville, CA · Cert 30953 · Peer group: banks $1B-$10B in assets (n=322-328)

State savings bank · OCC · 35 branches

Q2 2026

$2.4BAssets
$493.8MLoans
$2.1BDeposits
$336.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 97% of banks $1B-$10B in assets (rank 9 of 328).
  • Widest gap: net interest margin trails 90% of banks $1B-$10B in assets (rank 294 of 328).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.94%

Rank 241 of 328

Net Interest Margin

2.64%

Rank 294 of 328

Efficiency Ratio

58.72%

Rank 152 of 328

Equity / Assets

13.79%

Rank 37 of 328

Non-interest income vs. expense

$7.7M$42.5MINCOMEEXPENSE
Unfavorable gap of $34.8M · efficiency ratio beats 54% of banks $1B-$10B in assets
Bank 58.72%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.94%0.91%1.22%1.52%Beats 27%241 / 328
Return on Equity6.83%8.43%11.45%14.43%Beats 15%280 / 328
Net Interest Margin2.64%3.03%3.45%3.83%Beats 10%294 / 328
Efficiency Ratio58.72%51.61%59.56%67.53%Beats 54%152 / 328
Asset Quality
Nonperforming Loans / Loans0.28%0.24%0.51%1.03%Beats 70%97 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 78%73 / 322
Capital
Tier 1 Capital Ratio53.22%11.75%13.15%15.47%Beats 97%9 / 328
Total Risk-Based Capital Ratio54.20%12.63%14.15%16.46%Beats 97%9 / 328
Equity / Assets13.79%9.15%10.33%12.01%Beats 89%37 / 328
Liquidity & Funding
Loans / Deposits23.61%76.63%87.92%95.36%1st pctl319 / 323
Loans / Assets20.25%65.18%74.15%79.98%3rd pctl319 / 328
Brokered Deposits / Depositsn/aNot reported for this institution