BlastPoint's Banking Scorecard
Eastern Savings Bank, FSB
Micro
Specialty: Commercial
MD
FDIC cert 32360
Designations: ✓ Community bank
Hunt Valley, MD
2498
banks in Micro tier nationally
10 in MD
View Micro leaderboard (MD) →
Eastern Savings Bank, FSB has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.90% above tier
- + Net Interest Margin 1.84% above tier
- + Non-Interest Income / Assets 0.57% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.84% above tier
- - Loan-to-Deposit Ratio 42.57% above tier
- - Non-Interest-Bearing Deposit Share 20.39% below tier
- - Nonperforming Asset Ratio 4.29% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$366.5M
-9.9% YoY
-5.7% QoQ
|
+$149.0M |
$217.5M
+2.3% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$278.1M
-8.4% YoY
-7.3% QoQ
|
+$138.9M |
$139.2M
+2.8% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$237.5M
-14.0% YoY
-7.3% QoQ
|
+$53.8M |
$183.7M
+1.8% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
2.98%
+58.5% YoY
-3.8% QoQ
|
+1.90% |
1.08%
+14.7% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.69%
-3.2% YoY
+0.6% QoQ
|
+1.84% |
3.85%
+6.6% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
56.56%
-15.9% YoY
+1.2% QoQ
|
-11.16% |
67.73%
-4.8% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
4.48%
+12.5% YoY
+8.6% QoQ
|
+3.84% |
0.64%
+24.4% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
117.10%
+6.5% YoY
-0.1% QoQ
|
+42.57% |
74.53%
+0.5% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.00%
-34.3% YoY
+2.2% QoQ
|
-20.39% |
22.39%
-1.3% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
4.74%
+13.2% YoY
+7.1% QoQ
|
+4.29% |
0.45%
+25.1% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.14%
+498.1% YoY
+12.7% QoQ
|
+0.57% |
0.56%
+0.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.98%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.69%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.14%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (4)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.48%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
117.10%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.00%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.74%
(Tier avg: 0.45%, National avg: 0.48%)
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
98
98th pctile
Return on Assets
Current: 2.98% · Tier avg: 1.08%
97
97th pctile
Net Interest Margin
Current: 5.69% · Tier avg: 3.85%
94
94th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.56%
89
89th pctile
Total Loans
Current: $278.1M · Tier avg: $139.2M
83
83th pctile
Total Assets
Current: $366.5M · Tier avg: $217.5M
77
77th pctile
Efficiency Ratio
Current: 56.56% · Tier avg: 67.73%
68
68th pctile
Total Deposits
Current: $237.5M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.00% · Tier avg: 22.39%
2
2th pctile
Loan-to-Deposit Ratio
Current: 117.10% · Tier avg: 74.53%
0
0th pctile
Delinquency Rate
Current: 4.48% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.74% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.74% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.48% · Tier avg: 0.64%
2
2th pctile
Loan-to-Deposit Ratio
Current: 117.10% · Tier avg: 74.53%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.00% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Total Deposits
Current: $237.5M · Tier avg: $183.7M
77
77th pctile
Efficiency Ratio
Current: 56.56% · Tier avg: 67.73%
83
83th pctile
Total Assets
Current: $366.5M · Tier avg: $217.5M
89
89th pctile
Total Loans
Current: $278.1M · Tier avg: $139.2M
94
94th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.56%
97
97th pctile
Net Interest Margin
Current: 5.69% · Tier avg: 3.85%
98
98th pctile
Return on Assets
Current: 2.98% · Tier avg: 1.08%