BlastPoint's Banking Scorecard

Eaglemark Savings Bank

$100M-$1B Specialty: Consumer NV FDIC cert 34313

Reno, NV

2664 banks in the $100M-$1B peer group nationally 8 in NV

Eaglemark Savings Bank has 6 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

+ Revenue Diversifier: Top 3.2% in tier
+ Profitability Leader: Top 15.8% in tier
+ Credit Quality Leader: Top 46.4% in tier
+ Net Interest Margin 2.66% above tier average
+ Efficiency Ratio 35.55% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 5.1% in tier
- Deposit Outflow: Bottom 21.0% in tier
- Liquidity Strain: Bottom 48.8% in tier
- Capital Constraint: Bottom 89.8% in tier
- Non-Interest-Bearing Deposit Share 21.94% below tier average

Get updates when Eaglemark Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Total Assets ?	$720.3M +0.5% YoY -3.1% QoQ	+$334.2M	$386.1M +0.5% YoY	$3.1B +7.5% YoY	$6.2B +9.1% YoY	Top 11.7% in tier
Total Loans ?	$654.9M +0.4% YoY -2.2% QoQ	+$399.2M	$255.7M +1.1% YoY	$1.6B +22.3% YoY	$3.2B +10.8% YoY	Top 4.1% in tier
Total Deposits ?	$480.5M -6.9% YoY -10.9% QoQ	+$152.6M	$328.0M +0.1% YoY	$2.1B +0.1% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	4.48% +10.3% YoY +2.8% QoQ	+3.21%	1.27% +12.9% YoY	3.24% -3.8% YoY	1.23% +13.4% YoY	Top 0.5% in tier
Net Interest Margin ?	6.59% +8.1% YoY +1.3% QoQ	+2.66%	3.93% +6.0% YoY	5.24% +3.6% YoY	3.89% +5.7% YoY	Top 0.7% in tier
Efficiency Ratio ?	29.74% -10.7% YoY -3.8% QoQ	-35.55%	65.29% -4.5% YoY	57.12% -16.3% YoY	66.95% -4.1% YoY	Top 0.8% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.11% -32.2% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	136.28% +7.8% YoY +9.8% QoQ	+59.64%	76.64% +0.8% YoY	80.72% +7.8% YoY	76.70% +0.9% YoY	Bottom 0.3% in tier
Non-Interest-Bearing Deposit Share ?	0.08% +17.7% YoY +19.5% QoQ	-21.94%	22.02% -1.0% YoY	22.43% -7.9% YoY	22.01% -1.2% YoY	Bottom 0.5% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.75% -3.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	24.67% +24.1% YoY +7.9% QoQ	+8.84%	15.83% +1.5% YoY	22.57% +2.5% YoY	17.06% +0.8% YoY	Top 6.8% in tier
Non-Interest Income / Assets ?	0.52% -3.4% YoY -74.6% QoQ	+0.24%	0.28% +9.3% YoY	1.43% +2.0% YoY	0.32% +4.1% YoY	Top 3.1% in tier

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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 (3)

Revenue Diversifier

growth

#22 of 666 • Top 3.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.52%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 4.48%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth

#106 of 666 • Top 15.8% in tier

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

Why this signature

Return on Assets: 4.48%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Leader

growth

#309 of 664 • Top 46.4% in tier

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

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (4)

Liquidity Overhang

risk

#39 of 739 • Bottom 5.1% 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: 24.67%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 136.28%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#107 of 506 • Bottom 21.0% in tier

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

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#315 of 643 • Bottom 48.8% 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: 136.28%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Constraint

risk

#98 of 108 • Bottom 89.8% 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: 136.28%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 24.67%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 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 2664 peers in $100M-$1B

Top Strengths (10 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Return on Assets

profitability

Value: 4.48%

Peer Median: 1.27%

#14 of 2664 Top 0.5% in $100M-$1B

Net Interest Margin

profitability

Value: 6.59%

Peer Median: 3.93%

#19 of 2664 Top 0.7% in $100M-$1B

Efficiency Ratio

profitability

Value: 29.74%

Peer Median: 65.29%

#23 of 2664 Top 0.8% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.52%

Peer Median: 0.28%

#84 of 2664 Top 3.1% in $100M-$1B

109

Total Loans

size

Value: $654.88M

Peer Median: $255.72M

#109 of 2664 Top 4.1% in $100M-$1B

183

Tier 1 Capital Ratio

capital

Value: 24.67%

Peer Median: 15.83%

#183 of 2664 Top 6.8% in $100M-$1B

313

Total Assets

size

Value: $720.33M

Peer Median: $386.08M

#313 of 2664 Top 11.7% in $100M-$1B

596

Total Deposits

size

Value: $480.54M

Peer Median: $327.97M

#596 of 2664 Top 22.3% in $100M-$1B

Top Weaknesses (2 metrics)

2657

Loan-to-Deposit Ratio

liquidity

Value: 136.28%

Peer Median: 76.64%

#2657 of 2664 Bottom 0.3% in $100M-$1B

2651

Non-Interest-Bearing Deposit Share

funding

Value: 0.08%

Peer Median: 22.02%

#2651 of 2664 Bottom 0.5% in $100M-$1B