BlastPoint's Banking Scorecard

El Dorado Savings Bank, F.S.B.

$1B-$10B Specialty: Mortgage CA FDIC cert 30953

Placerville, CA

35 branches across CA · NV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
Deposits -2.4% year over year ($2.1B on the books).
Delinquency rate 0.28%.
Return on assets 0.93%.
Efficiency ratio 58.13% vs a 59.73% peer average.
Loan-to-deposit ratio 23.33% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

El Dorado Savings Bank, F.S.B. has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Nonperforming Asset Ratio 0.62% below tier average
+ Efficiency Ratio 1.60% below tier average
+ Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 13.6% in tier
- Credit Quality Pressure: Bottom 23.4% in tier
- Deposit Outflow: Bottom 46.6% in tier
- Net Interest Margin 1.16% below tier average
- ROA 0.46% below tier average

Get updates when El Dorado Savings Bank, F.S.B. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$2.4B -1.4% YoY -1.4% QoQ	-$354.8M	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	61%
Total Loans ?	$487.9M -5.8% YoY -1.0% QoQ	-$1.5B	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Bottom 2.4% in tier
Total Deposits ?	$2.1B -2.4% YoY -1.7% QoQ	-$227.0M	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	61%
Return on Assets ?	0.93% -2.8% YoY -0.6% QoQ	-0.46%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	25%
Net Interest Margin ?	2.71% +1.8% YoY +0.1% QoQ	-1.16%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	Bottom 7.0% in tier
Efficiency Ratio ?	58.13% +2.9% YoY +0.8% QoQ	-1.60%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	54%
Delinquency Rate ?	0.28% +56.4% YoY +26.3% QoQ	-0.59%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	70%
Loan-to-Deposit Ratio ?	23.33% -3.5% YoY +0.6% QoQ	-61.71%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Top 1.6% in tier
Non-Interest-Bearing Deposit Share ?	15.77% +2.3% YoY +1.3% QoQ	-5.51%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	31%
Nonperforming Asset Ratio ?	0.06% +49.3% YoY +26.7% QoQ	-0.62%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Top 9.7% in tier
Tier 1 Capital Ratio ?	53.22% +3.8% YoY +0.1% QoQ	+38.38%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	Top 0.7% in tier
Non-Interest Income / Assets ?	0.16% -0.5% YoY +104.6% QoQ	-0.37%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	21%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	15.8% +0.4pp YoY +0.2pp QoQ	-5.6pp	21.4%	25.5%	22.2%	30%
Brokered Deposits	n/a	n/a	9.5%	11.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	n/a	n/a	14.0%	11.8%	12.5%	n/a
CRE	0.4% +0.1pp YoY +0.1pp QoQ	-49.6pp	50.0%	67.5%	41.4%	0%
1-4 Family	100.7% 0.0pp YoY -0.1pp QoQ	+74.3pp	26.4%	16.5%	31.3%	100%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	5.3%	5.0%	2%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	53.2% +2.0pp YoY 0.0pp QoQ	+37.6pp	15.6%	23.7%	19.7%	99%
Leverage Ratio	13.4% +0.7pp YoY +0.3pp QoQ	+2.1pp	11.3%	14.5%	12.6%	88%
Total Capital Ratio	54.2% +1.9pp YoY 0.0pp QoQ	+37.5pp	16.7%	25.1%	20.8%	99%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	263 +5 (+1.9%) YoY +1 (+0.4%) QoQ	-51	313	337	482	58%
Assets per Employee ($)	$9.3M -3.3% YoY -1.7% QoQ	-$1.2M	$10.5M	$11.3M	$8.8M	57%
Branch Count	35 0 YoY 0 QoQ	+15	20	15	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.3% +0.1pp YoY +0.1pp QoQ	-0.5pp	0.8%	1.4%	1.0%	29%
Allowance Coverage	4.29x -33.4% YoY -20.8% QoQ	-14.42x	18.71x	17.11x	20.23x	74%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.2%	28%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	6.9% -0.5pp YoY -0.1pp QoQ	-5.7pp	12.6%	8.2%	11.6%	15%
Cost of Funds (YTD)	0.9% 0.0pp YoY 0.0pp QoQ	-1.1pp	1.9%	1.9%	1.7%	4%
Net Income ($, YTD)	$11.5M -2.0% YoY — QoQ	-$7.8M	$19.2M	$28.5M	$40.4M	46%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk

#23 of 162 • Bottom 13.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.93%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#116 of 492 • Bottom 23.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.28%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#62 of 131 • Bottom 46.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Tier 1 Capital Ratio

capital

Value: 53.22%

Peer Median: 14.84%

#7 of 885 Top 0.7% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 23.33%

Peer Median: 85.04%

#15 of 885 Top 1.6% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#87 of 885 Top 9.7% in $1B-$10B

Top Weaknesses (3 metrics)

865

Total Loans

size

Value: $487.94M

Peer Median: $1.96B

#865 of 885 Bottom 2.4% in $1B-$10B

824

Net Interest Margin

profitability

Value: 2.71%

Peer Median: 3.87%

#824 of 885 Bottom 7.0% in $1B-$10B

696

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.53%

#696 of 885 Bottom 21.5% in $1B-$10B