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

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

El Dorado Savings Bank, F.S.B. has 3 strengths but faces 4 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

+ Credit Quality Leader: Top 5.5% in tier
+ Nonperforming Asset Ratio 0.63% below tier average
+ Efficiency Ratio 3.41% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 18.9% in tier
- Flatlined Growth: Bottom 37.3% in tier
- Net Interest Margin 1.10% below tier average
- ROA 0.43% below tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$2.5B +0.8% YoY -0.1% QoQ	-$343.6M	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$493.0M -5.0% YoY -2.1% QoQ	-$1.5B	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Bottom 2.6% in tier
Total Deposits ?	$2.1B +0.1% YoY -0.4% QoQ	-$216.4M	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	62%
Return on Assets ?	0.94% +0.5% YoY -3.4% QoQ	-0.43%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	28%
Net Interest Margin ?	2.71% +2.9% YoY +1.1% QoQ	-1.10%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	Bottom 8.1% in tier
Efficiency Ratio ?	57.65% +0.2% YoY +2.0% QoQ	-3.41%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	57%
Delinquency Rate ?	0.22% +78.7% YoY -40.3% QoQ	-0.67%	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	23.18% -5.0% YoY -1.7% QoQ	-61.02%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Top 1.6% in tier
Non-Interest-Bearing Deposit Share ?	15.56% -1.4% YoY +2.8% QoQ	-5.73%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	30%
Nonperforming Asset Ratio ?	0.04% +68.4% YoY -41.5% QoQ	-0.63%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Top 8.3% in tier
Tier 1 Capital Ratio ?	53.17% +5.9% YoY +0.8% QoQ	+38.01%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	Top 0.9% in tier
Non-Interest Income / Assets ?	0.08% -1.4% YoY -76.2% QoQ	-0.18%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	22%

Get Full Access to El Dorado Savings Bank, F.S.B.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (1)

Credit Quality Leader

growth

#13 of 220 • Top 5.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.22%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (2)

Credit Quality Pressure

risk

#98 of 513 • Bottom 18.9% in tier

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

Why this signature

Delinquency Rate: 0.22%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#57 of 150 • Bottom 37.3% 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: 0.94%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

150 of 150 Mid-Market banks match · 687 nationally

→ Stable +32 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 884 peers in $1B-$10B

Top Strengths (4 metrics)

Tier 1 Capital Ratio

capital

Value: 53.17%

Peer Median: 15.16%

#9 of 884 Top 0.9% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 23.18%

Peer Median: 84.20%

#15 of 884 Top 1.6% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#74 of 884 Top 8.3% in $1B-$10B

211

Delinquency Rate

credit_quality

Value: 0.22%

Peer Median: 0.89%

#211 of 880 Top 23.9% in $1B-$10B

Top Weaknesses (3 metrics)

862

Total Loans

size

Value: $493.02M

Peer Median: $1.96B

#862 of 884 Bottom 2.6% in $1B-$10B

813

Net Interest Margin

profitability

Value: 2.71%

Peer Median: 3.82%

#813 of 884 Bottom 8.1% in $1B-$10B

693

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.26%

#693 of 884 Bottom 21.7% in $1B-$10B