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Letter portraitLegal landscapeQuarterYTD

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 $0.0MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $1.8B16%Noninterest $0.3BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.87%0.93%0.96%0.97%0.97%0.94%0.93%-3 bps
Return on Equity6.66%6.95%7.27%7.47%7.56%7.49%7.04%6.92%-55 bps
Net Interest Margin2.41%2.44%2.55%2.57%2.57%2.57%2.62%2.64%+7 bps
Efficiency Ratio61.18%60.10%57.53%56.47%56.22%56.50%57.65%58.13%+165 bps
Non-Interest Burden1.35%1.34%1.35%1.32%1.32%1.33%1.40%1.42%+9 bps
Growth
Asset Growth (YoY)-5.41%-1.83%0.53%2.97%3.23%3.06%0.83%-1.38%-435 bps
Loan Growth (YoY)-3.96%-4.72%-4.25%-3.68%-3.41%-3.65%-4.90%-5.79%-211 bps
Deposit Growth (YoY)-6.56%-2.69%-0.04%2.75%2.96%2.66%0.08%-2.44%-520 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.23%0.12%0.18%0.23%0.37%0.22%0.28%+10 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%0.02%0.02%0.01%0.01%-1 bps
Allowance / Loans1.11%1.13%1.14%1.14%1.15%1.17%1.19%1.19%+5 bps
Allowance Coverage of NPLs5.5x4.9x9.2x6.4x4.9x3.2x5.4x4.3x-2.1x
Capital
Tier 1 Leverage Ratio12.47%12.56%12.68%12.69%12.71%12.94%13.11%13.43%+74 bps
Total Risk-Based Capital48.86%50.56%51.20%52.26%53.59%53.78%54.17%54.20%+193 bps
Equity / Assets12.72%12.88%12.80%12.87%13.01%13.25%13.43%13.79%+92 bps
Liquidity & Funding
Loans / Deposits25.75%25.43%24.69%24.45%24.16%23.87%23.46%23.61%-84 bps
Liquid Assets / Assets74.38%74.87%75.47%75.84%76.11%76.45%76.86%76.75%+91 bps
CRE / Total Capitaln/an/an/an/a0.61%0.59%0.58%n/an/a