BlastPoint's Banking Scorecard
El Dorado Savings Bank, F.S.B.
Community
Specialty: Mortgage
CA
FDIC cert 30953
Placerville, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
El Dorado Savings Bank, F.S.B. has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 59.47% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.98% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
+3.1% YoY
-0.4% QoQ
|
+$1.1B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$503.7M
-3.7% YoY
-1.8% QoQ
|
-$471.8M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$2.1B
+2.7% YoY
-0.6% QoQ
|
+$970.8M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
0.97%
+11.6% YoY
-0.3% QoQ
|
-0.19% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
2.68%
+6.5% YoY
-0.4% QoQ
|
-0.98% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
56.50%
-6.0% YoY
+0.5% QoQ
|
-6.13% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.37%
+61.4% YoY
+57.4% QoQ
|
-0.26% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
23.59%
-6.2% YoY
-1.2% QoQ
|
-59.47% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.14%
-6.0% YoY
-4.0% QoQ
|
-5.91% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.08%
+50.8% YoY
+55.1% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
52.77%
+6.5% YoY
+0.4% QoQ
|
+42.53% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.33%
-5.2% YoY
+35.6% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
23.59%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Net Interest Margin
metric
Bottom 9%
in Community
Why this stands out
Current:
2.68%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Loan-to-Deposit Ratio
Current: 23.59% · Tier avg: 83.06%
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
69
69th pctile
Efficiency Ratio
Current: 56.50% · Tier avg: 62.63%
55
55th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.63%
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
32
32th pctile
Total Loans
Current: $503.7M · Tier avg: $975.5M
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.14% · Tier avg: 21.05%
26
26th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
9
9th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.66%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.66%
26
26th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.14% · Tier avg: 21.05%
32
32th pctile
Total Loans
Current: $503.7M · Tier avg: $975.5M
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
55
55th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.63%
69
69th pctile
Efficiency Ratio
Current: 56.50% · Tier avg: 62.63%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
100
100th pctile
Loan-to-Deposit Ratio
Current: 23.59% · Tier avg: 83.06%