Eastern Savings Bank Federal Savings Bank
Hunt Valley, MD · Cert 32360 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 3 branches
Q2 2026
$336.4MAssets
$244.6MLoans
$208.0MDeposits
$108.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets (rank 574 of 581).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.88%
Rank 87 of 629
Net Interest Margin
5.31%
Rank 14 of 629
Efficiency Ratio
61.06%
Rank 194 of 629
Equity / Assets
32.28%
Rank 55 of 629
Non-interest income vs. expense
Unfavorable gap of $11.0M · efficiency ratio beats 69% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.88% | 0.60% | 1.01% | 1.45% | Beats 86% | 87 / 629 | | |
| Return on Equity | 5.84% | 5.38% | 9.30% | 13.28% | Beats 27% | 461 / 629 | | |
| Net Interest Margin | 5.31% | 3.03% | 3.54% | 4.05% | Beats 98% | 14 / 629 | | |
| Efficiency Ratio | 61.06% | 58.35% | 67.79% | 79.08% | Beats 69% | 194 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.73% | 0.09% | 0.46% | 1.20% | Beats 1% | 574 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 30.96% | 11.24% | 13.84% | 18.77% | Beats 88% | 78 / 629 | | |
| Total Risk-Based Capital Ratio | 30.96% | 11.58% | 14.43% | 19.66% | Beats 87% | 79 / 629 | | |
| Equity / Assets | 32.28% | 9.09% | 10.65% | 13.80% | Beats 91% | 55 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 117.59% | 67.24% | 80.90% | 93.48% | 98th pctl | 13 / 594 | | |
| Loans / Assets | 72.69% | 53.31% | 67.71% | 78.15% | 60th pctl | 252 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |