BlastPoint's Banking Scorecard
Eaglemark Savings Bank
Community
Specialty: Consumer
NV
FDIC cert 34313
Reno, NV
1484
banks in Community tier nationally
5 in NV
View Community leaderboard (NV) →
Eaglemark Savings Bank has 7 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 4% in Community
- + Profitability Leader: Top 29% in Community
- + Net Interest Margin 2.84% above tier
- + Efficiency Ratio 31.72% below tier
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 12.62% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 3% in Community
- - Deposit Outflow: Bottom 49% in Community
- - Non-Interest-Bearing Deposit Share 20.98% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$743.8M
+2.9% YoY
-2.4% QoQ
|
-$647.7M |
$1.4B
+2.0% YoY
|
$3.2B
+14.2% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$669.3M
+3.3% YoY
-3.0% QoQ
|
-$306.1M |
$975.5M
+2.4% YoY
|
$1.5B
+26.6% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$539.5M
-2.5% YoY
-3.4% QoQ
|
-$625.1M |
$1.2B
+1.7% YoY
|
$2.0B
+4.4% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
4.36%
+2.7% YoY
+0.8% QoQ
|
+3.19% |
1.16%
+17.2% YoY
|
1.39%
+1.9% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
6.51%
+0.8% YoY
+1.0% QoQ
|
+2.84% |
3.66%
+9.1% YoY
|
3.77%
+2.0% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
30.91%
-6.2% YoY
-0.5% QoQ
|
-31.72% |
62.63%
-5.3% YoY
|
57.14%
-2.3% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
1.13%
+57.4% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
124.06%
+5.9% YoY
+0.4% QoQ
|
+41.00% |
83.06%
+0.3% YoY
|
79.84%
-0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.07%
+9.3% YoY
-74.0% QoQ
|
-20.98% |
21.05%
-0.9% YoY
|
23.03%
-6.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.59%
-6.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
22.87%
+21.5% YoY
+8.5% QoQ
|
+12.62% |
10.24%
-0.6% YoY
|
6.71%
-20.9% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
2.05%
+2.1% YoY
+38.2% QoQ
|
+1.31% |
0.74%
-1.3% YoY
|
0.78%
-34.8% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (7)
Revenue Diversifier
growth
#14 of 371 · Top 4% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.05%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
4.36%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Profitability Leader
growth
#110 of 371 · Top 29% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
4.36%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
6.51%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
30.91%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 4%
in Community
Why this stands out
Current:
22.87%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Liquidity Overhang
risk
#9 of 268 · Bottom 3% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
22.87%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
124.06%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#121 of 248 · Bottom 49% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.07%
(Tier avg: 21.05%, National avg: 21.79%)
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
Return on Assets
Current: 4.36% · Tier avg: 1.16%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
99
99th pctile
Efficiency Ratio
Current: 30.91% · Tier avg: 62.63%
99
99th pctile
Net Interest Margin
Current: 6.51% · Tier avg: 3.66%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.87% · Tier avg: 10.24%
96
96th pctile
Non-Interest Income / Assets
Current: 2.05% · Tier avg: 0.74%
47
47th pctile
Total Loans
Current: $669.3M · Tier avg: $975.5M
31
31th pctile
Total Assets
Current: $743.8M · Tier avg: $1.4B
19
19th pctile
Total Deposits
Current: $539.5M · Tier avg: $1.2B
1
1th pctile
Loan-to-Deposit Ratio
Current: 124.06% · Tier avg: 83.06%
0
0th pctile
Non-Interest-Bearing Deposit Share
Current: 0.07% · Tier avg: 21.05%
Top Weaknesses
0
0th pctile
Non-Interest-Bearing Deposit Share
Current: 0.07% · Tier avg: 21.05%
1
1th pctile
Loan-to-Deposit Ratio
Current: 124.06% · Tier avg: 83.06%
19
19th pctile
Total Deposits
Current: $539.5M · Tier avg: $1.2B
31
31th pctile
Total Assets
Current: $743.8M · Tier avg: $1.4B
47
47th pctile
Total Loans
Current: $669.3M · Tier avg: $975.5M
96
96th pctile
Non-Interest Income / Assets
Current: 2.05% · Tier avg: 0.74%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.87% · Tier avg: 10.24%
99
99th pctile
Net Interest Margin
Current: 6.51% · Tier avg: 3.66%
99
99th pctile
Efficiency Ratio
Current: 30.91% · Tier avg: 62.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Return on Assets
Current: 4.36% · Tier avg: 1.16%