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Eastern Savings Bank, FSB

$100M-$1B Specialty: Commercial MD FDIC cert 32360

Hunt Valley, MD

3 branches across MD

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 16 in MD.
  • Deposits -27.6% year over year ($208.0M on the books).
  • Delinquency rate 6.81%.
  • Return on assets 2.27%.
  • Efficiency ratio 61.06% vs a 64.48% peer average.
  • Loan-to-deposit ratio 116.16% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 16 in MD
View $100M-$1B leaderboard (MD) →

Eastern Savings Bank, FSB has 3 strengths but faces 7 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

  • + Profitability Leader: Top 31.9% in tier
  • + Net Interest Margin 1.71% above tier average
  • + Efficiency Ratio 3.42% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 1.2% in tier
  • - Deposit Outflow: Bottom 11.6% in tier
  • - Liquidity Strain: Bottom 19.5% in tier
  • - Capital Constraint: Bottom 95.3% in tier
  • - Delinquency Rate 5.90% above tier average
  • - Non-Interest-Bearing Deposit Share 20.25% below tier average
  • - Nonperforming Asset Ratio 5.71% above tier average
Get updates when Eastern Savings Bank, FSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Total Assets ? $336.4M
-18.9% YoY -5.0% QoQ
-$50.2M $386.6M
+1.2% YoY
$1.8B
+4.0% YoY
$6.3B
+7.7% YoY
52%
Total Loans ? $241.6M
-21.5% YoY -10.6% QoQ
-$16.8M $258.3M
+1.7% YoY
$1.3B
+3.8% YoY
$3.2B
+9.4% YoY
57%
Total Deposits ? $208.0M
-27.6% YoY -7.7% QoQ
-$118.8M $326.7M
+0.7% YoY
$1.6B
+4.1% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 2.27%
+11.1% YoY -3.6% QoQ
+0.95% 1.32%
+10.8% YoY
0.92%
+12.6% YoY
1.30%
+12.1% YoY
Top 7.5% in tier
Net Interest Margin ? 5.69%
+3.7% YoY -1.9% QoQ
+1.71% 3.99%
+5.0% YoY
3.72%
+5.0% YoY
3.95%
+4.9% YoY
Top 2.2% in tier
Efficiency Ratio ? 61.06%
-5.4% YoY -0.8% QoQ
-3.42% 64.48%
-3.2% YoY
67.38%
-3.5% YoY
70.05%
+2.5% YoY
54%
Delinquency Rate ? 6.81%
+61.6% YoY +21.9% QoQ
+5.90% 0.92%
+15.7% YoY
1.07%
+9.6% YoY
0.98%
+16.3% YoY
Bottom 0.9% in tier
Loan-to-Deposit Ratio ? 116.16%
+8.5% YoY -3.0% QoQ
+38.21% 77.95%
+1.0% YoY
87.38%
+1.5% YoY
79.03%
+2.3% YoY
Bottom 1.7% in tier
Non-Interest-Bearing Deposit Share ? 1.78%
-30.5% YoY -20.1% QoQ
-20.25% 22.03%
-0.6% YoY
20.47%
+3.3% YoY
21.98%
-0.6% YoY
Bottom 1.5% in tier
Nonperforming Asset Ratio ? 6.38%
+48.8% YoY +12.7% QoQ
+5.71% 0.67%
+16.4% YoY
0.90%
+8.0% YoY
0.69%
+15.8% YoY
Bottom 0.5% in tier
Tier 1 Capital Ratio ? 30.96%
+27.8% YoY +4.2% QoQ
+15.05% 15.91%
+1.4% YoY
16.33%
+1.1% YoY
17.09%
+0.8% YoY
Top 3.8% in tier
Non-Interest Income / Assets ? 0.14%
+26.3% YoY +122.3% QoQ
-0.43% 0.57%
+7.6% YoY
0.25%
+1.8% YoY
0.66%
+5.2% YoY
31%

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 (MD) National Avg Tier Percentile
Noninterest-Bearing 1.8%
-0.8pp YoY
-0.4pp QoQ
 -20.4pp 22.1% 21.3% 22.2% 1%
Brokered Deposits 21.8%
+9.0pp YoY
-1.9pp QoQ
 +13.9pp 7.9% 10.7% 8.5% 92%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
C&I n/a n/a 11.6% 8.9% 12.5% n/a
CRE 66.7%
-0.1pp YoY
-0.4pp QoQ
 +27.2pp 39.5% 50.0% 41.4% 91%
1-4 Family 34.5%
+0.2pp YoY
+0.5pp QoQ
 +1.9pp 32.6% 37.9% 31.3% 60%
Consumer n/a n/a 4.1% 3.2% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.4% 19.7% n/a
Leverage Ratio 31.0%
+6.7pp YoY
+1.2pp QoQ
 +18.8pp 12.2% 13.0% 12.6% 99%
Total Capital Ratio n/a n/a 19.9% 17.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Full-Time Employees 49
-18 (-26.9%) YoY
-2 (-3.9%) QoQ
 -10 58 170 482 52%
Assets per Employee ($) $6.9M
+10.9% YoY
-1.1% QoQ
 -$653K $7.5M $9.4M $8.8M 50%
Branch Count 3
-1 (-25.0%) YoY
0 QoQ
 -2 4 9 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Past Due 90+ Days 1.1%
0.0pp YoY
0.0pp QoQ
 +0.8pp 0.3% 0.2% 0.4% 93%
Nonaccrual 5.7%
+2.6pp YoY
+1.2pp QoQ
 +4.7pp 0.9% 1.1% 1.0% 98%
Allowance Coverage 0.18x
-36.2% YoY
-9.5% QoQ
 -23.97x 24.15x 46.66x 20.23x 1%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 27%

Profitability

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
ROE 7.5%
-1.0pp YoY
-0.5pp QoQ
 -4.7pp 12.2% 8.0% 11.6% 23%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.9% 1.7% 71%
Net Income ($, YTD) $4.0M
-4.7% YoY
— QoQ
 +$1.5M $2.6M $8.4M $40.4M 80%

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)

Profitability Leader

growth
#212 of 661 • Top 31.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.27%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (4)

Liquidity Overhang

risk
#10 of 742 • Bottom 1.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 30.96%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 116.16%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#63 of 535 • Bottom 11.6% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#136 of 691 • Bottom 19.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 116.16%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk
#103 of 107 • Bottom 95.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 116.16%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 30.96%
(Tier: 15.91%, National: 17.09%)
better than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

58
Net Interest Margin
profitability
Value: 5.69%
Peer Median: 3.99%
#58 of 2643 Top 2.2% in $100M-$1B
101
Tier 1 Capital Ratio
capital
Value: 30.96%
Peer Median: 15.91%
#101 of 2643 Top 3.8% in $100M-$1B
198
Return on Assets
profitability
Value: 2.27%
Peer Median: 1.32%
#198 of 2643 Top 7.5% in $100M-$1B

Top Weaknesses (4 metrics)

2630
Nonperforming Asset Ratio
credit_quality
Value: 6.38%
Peer Median: 0.67%
#2630 of 2643 Bottom 0.5% in $100M-$1B
2611
Delinquency Rate
credit_quality
Value: 6.81%
Peer Median: 0.92%
#2611 of 2633 Bottom 0.9% in $100M-$1B
2605
Non-Interest-Bearing Deposit Share
funding
Value: 1.78%
Peer Median: 22.03%
#2605 of 2643 Bottom 1.5% in $100M-$1B
2598
Loan-to-Deposit Ratio
liquidity
Value: 116.16%
Peer Median: 77.95%
#2598 of 2643 Bottom 1.7% in $100M-$1B
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