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
Unfavorable gap of $34.8M · efficiency ratio beats 54% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.91% | 1.22% | 1.52% | Beats 27% | 241 / 328 | | |
| Return on Equity | 6.83% | 8.43% | 11.45% | 14.43% | Beats 15% | 280 / 328 | | |
| Net Interest Margin | 2.64% | 3.03% | 3.45% | 3.83% | Beats 10% | 294 / 328 | | |
| Efficiency Ratio | 58.72% | 51.61% | 59.56% | 67.53% | Beats 54% | 152 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.24% | 0.51% | 1.03% | Beats 70% | 97 / 322 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 78% | 73 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 53.22% | 11.75% | 13.15% | 15.47% | Beats 97% | 9 / 328 | | |
| Total Risk-Based Capital Ratio | 54.20% | 12.63% | 14.15% | 16.46% | Beats 97% | 9 / 328 | | |
| Equity / Assets | 13.79% | 9.15% | 10.33% | 12.01% | Beats 89% | 37 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 23.61% | 76.63% | 87.92% | 95.36% | 1st pctl | 319 / 323 | | |
| Loans / Assets | 20.25% | 65.18% | 74.15% | 79.98% | 3rd pctl | 319 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |