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Eaglemark Savings Bank

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

Reno, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 8 in NV.
  • Deposits -4.0% year over year ($519.4M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 4.54%.
  • Efficiency ratio 30.16% vs a 64.48% peer average.
  • Loan-to-deposit ratio 131.68% 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 8 in NV
View $100M-$1B leaderboard (NV) →

Eaglemark Savings Bank has 6 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

  • + Revenue Diversifier: Top 2.7% in tier
  • + Profitability Leader: Top 19.7% in tier
  • + Credit Quality Leader: Top 43.2% in tier
  • + Net Interest Margin 2.71% above tier average
  • + Efficiency Ratio 34.32% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 5.0% in tier
  • - Deposit Outflow: Bottom 32.3% in tier
  • - Capital Constraint: Bottom 91.6% in tier
  • - Non-Interest-Bearing Deposit Share 21.95% below tier average
Get updates when Eaglemark Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Total Assets ? $755.7M
+2.4% YoY +4.9% QoQ
+$369.1M $386.6M
+1.2% YoY
$3.1B
+2.3% YoY
$6.3B
+7.7% YoY
Top 10.1% in tier
Total Loans ? $683.9M
+0.8% YoY +4.4% QoQ
+$425.6M $258.3M
+1.7% YoY
$1.6B
+20.6% YoY
$3.2B
+9.4% YoY
Top 3.0% in tier
Total Deposits ? $519.4M
-4.0% YoY +8.1% QoQ
+$192.7M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
82%
Return on Assets ? 4.54%
+7.4% YoY +1.5% QoQ
+3.22% 1.32%
+10.8% YoY
3.59%
+7.1% YoY
1.30%
+12.1% YoY
Top 0.5% in tier
Net Interest Margin ? 6.70%
+5.8% YoY +1.6% QoQ
+2.71% 3.99%
+5.0% YoY
5.65%
+11.1% YoY
3.95%
+4.9% YoY
Top 0.7% in tier
Efficiency Ratio ? 30.16%
-5.5% YoY +1.4% QoQ
-34.32% 64.48%
-3.2% YoY
55.66%
-2.7% YoY
70.05%
+2.5% YoY
Top 0.8% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.02%
-35.3% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 131.68%
+5.0% YoY -3.4% QoQ
+53.73% 77.95%
+1.0% YoY
86.66%
+13.2% YoY
79.03%
+2.3% YoY
Bottom 0.6% in tier
Non-Interest-Bearing Deposit Share ? 0.09%
+18.3% YoY +2.5% QoQ
-21.95% 22.03%
-0.6% YoY
21.87%
-6.7% YoY
21.98%
-0.6% YoY
Bottom 0.6% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.74%
+3.7% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 24.83%
+22.2% YoY +0.7% QoQ
+8.92% 15.91%
+1.4% YoY
23.41%
+6.1% YoY
17.09%
+0.8% YoY
Top 7.0% in tier
Non-Interest Income / Assets ? 1.04%
+0.9% YoY +99.9% QoQ
+0.47% 0.57%
+7.6% YoY
2.78%
+2.3% YoY
0.66%
+5.2% YoY
Top 3.2% in tier

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 (NV) National Avg Tier Percentile
Noninterest-Bearing 0.1%
0.0pp YoY
0.0pp QoQ
 -22.1pp 22.1% 25.5% 22.2% 0%
Brokered Deposits 99.4%
0.0pp YoY
0.0pp QoQ
 +91.6pp 7.9% 31.0% 8.5% 100%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
C&I n/a n/a 11.6% 22.5% 12.5% n/a
CRE n/a n/a 39.5% 68.4% 41.4% n/a
1-4 Family n/a n/a 32.6% 12.7% 31.3% n/a
Consumer 100.0%
0.0pp YoY
0.0pp QoQ
 +95.9pp 4.1% 31.5% 5.0% 100%

Capital

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
CET1 Ratio 24.8%
+4.5pp YoY
+0.2pp QoQ
 +6.0pp 18.8% 29.4% 19.7% 89%
Leverage Ratio 23.7%
+4.1pp YoY
+1.0pp QoQ
 +11.5pp 12.2% 16.3% 12.6% 98%
Total Capital Ratio 24.9%
+4.5pp YoY
+0.2pp QoQ
 +4.9pp 19.9% 30.3% 20.8% 86%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Full-Time Employees 86
-8 (-8.5%) YoY
-2 (-2.3%) QoQ
 +27 58 177 482 81%
Assets per Employee ($) $8.8M
+11.9% YoY
+7.3% QoQ
 +$1.3M $7.5M $17.0M $8.8M 77%
Branch Count 1
0 YoY
0 QoQ
 -4 4 2 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 4.66x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 1.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
ROE 20.2%
-2.8pp YoY
0.0pp QoQ
 +8.0pp 12.2% 17.9% 11.6% 89%
Cost of Funds (YTD) 2.8%
-0.1pp YoY
0.0pp QoQ
 +1.1pp 1.7% 2.0% 1.7% 95%
Net Income ($, YTD) $16.8M
+9.4% YoY
— QoQ
 +$14.3M $2.6M $65.7M $40.4M 100%

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
#19 of 661 • Top 2.7% 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: 1.04%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 4.54%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#131 of 661 • Top 19.7% in tier

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

Why this signature
Return on Assets: 4.54%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Quality Leader

growth
#286 of 659 • Top 43.2% 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: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Liquidity Overhang

risk
#38 of 742 • Bottom 5.0% 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: 24.83%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 131.68%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Deposit Outflow

decline
#174 of 535 • Bottom 32.3% 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 declining

Capital Constraint

risk
#99 of 107 • Bottom 91.6% 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: 131.68%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 24.83%
(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 (10 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
15
Return on Assets
profitability
Value: 4.54%
Peer Median: 1.32%
#15 of 2643 Top 0.5% in $100M-$1B
19
Net Interest Margin
profitability
Value: 6.70%
Peer Median: 3.99%
#19 of 2643 Top 0.7% in $100M-$1B
22
Efficiency Ratio
profitability
Value: 30.16%
Peer Median: 64.48%
#22 of 2643 Top 0.8% in $100M-$1B
81
Total Loans
size
Value: $683.94M
Peer Median: $258.35M
#81 of 2643 Top 3.0% in $100M-$1B
85
Non-Interest Income / Assets
revenue_mix
Value: 1.04%
Peer Median: 0.57%
#85 of 2643 Top 3.2% in $100M-$1B
186
Tier 1 Capital Ratio
capital
Value: 24.83%
Peer Median: 15.91%
#186 of 2643 Top 7.0% in $100M-$1B
267
Total Assets
size
Value: $755.67M
Peer Median: $386.57M
#267 of 2643 Top 10.1% in $100M-$1B
482
Total Deposits
size
Value: $519.41M
Peer Median: $326.73M
#482 of 2643 Top 18.2% in $100M-$1B

Top Weaknesses (2 metrics)

2629
Loan-to-Deposit Ratio
liquidity
Value: 131.68%
Peer Median: 77.95%
#2629 of 2643 Bottom 0.6% in $100M-$1B
2627
Non-Interest-Bearing Deposit Share
funding
Value: 0.09%
Peer Median: 22.03%
#2627 of 2643 Bottom 0.6% in $100M-$1B
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