EASTERN SAVINGS BANK FEDERAL SAVINGS BANK

HUNT VALLEY, MD | Small | Est. May 29, 1905, midnight | FDIC #32360 | RSSD #643078 | OCC
Latest Report: 2025-12-31

EASTERN SAVINGS BANK FEDERAL SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in HUNT VALLEY, MD, established in May 29, 1905, midnight. As of 2025-12-31, the bank reported total assets of $367M and total deposits of $237M. Profitability stands at 2.58% ROA and 9.29% ROE, with a net interest margin of 5.82%. The bank's CET1 capital ratio is 28.95%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.42% and a Texas Ratio of 13.31%. FDIC Certificate #32360.

Assets

$367M

Deposits

$237M

Loans

$281M

Equity

$106M

Profitability

Return on Assets (ROA) 2.58%
Return on Equity (ROE) 9.29%
Net Interest Margin (NIM) 5.82%
Yield on Assets 7.97%
Cost of Funds 2.82%

Asset Quality

NPL Ratio 3.42%
Net Charge-Off Ratio -0.01%
Texas Ratio 13.31%
NPA Ratio 3.97%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 28.95%
Tier 1 Capital 28.95%
Total Capital Ratio 30.39%
Leverage Ratio 28.18%
Loan-to-Deposit 118.43%

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