El Dorado Savings Bank, F.S.B.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
El Dorado Savings Bank, F.S.B., based in Placerville, California, reported $2.4 billion in assets at June 30, 2026, down 1.4% from a year earlier. It keeps 2.69 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it pays an average of 0.93% on its deposits and borrowings, about half the median of 2.01% for banks its size.
Unrealized losses on its securities total $80 million, equal to 24% of Tier 1 capital, against 28% a year earlier. The balance sheet shrank over the year: over the year loans fell 5.8% and deposits fell 2.4%. Profitability lags: it returns 6.8% a year on shareholders' equity, about half the median of 12.6% for banks its size.
As of June 30, 2026, El Dorado Savings Bank, F.S.B. reported a CET1 capital ratio of 53.22%, a return on assets of 0.93%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 0.40%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 4040 El Dorado Rd, Placerville, CA 95667
- County
- El Dorado
- Metro Area
- Sacramento-Roseville-Folsom, CA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1956
- Former names
- El Dorado Savings Bank (1990-2001)
- Offices
- 35 domestic
- Employees (FTE)
- 263
- Domestic deposits
- $2.09B
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $19K
- Average total assets
- $2.45B
- Average total loans
- $495.8M
- Average interest-bearing deposits
- $1.78B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30953
- Fed RSSD
- 961576
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full El Dorado Savings Bank, F.S.B. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock El Dorado Savings Bank, F.S.B., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
El Dorado Savings Bank, F.S.B. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 53.22% | 0.93% | 0.28% | 0.40% | 2.69% |
| Q1 2026 | 53.17% | 0.94% | 0.22% | 0.32% | 2.68% |
| Q4 2025 | 52.77% | 0.96% | 0.37% | 0.56% | 2.61% |
| Q3 2025 | 52.57% | 1.00% | 0.23% | 0.37% | 2.70% |
| Q2 2025 | 51.25% | 0.99% | 0.18% | 0.29% | 2.67% |
| Q1 2025 | 50.21% | 0.93% | 0.12% | 0.20% | 2.63% |
| Q4 2024 | 49.56% | 0.99% | 0.23% | 0.38% | 2.66% |
| Q3 2024 | 47.88% | 0.94% | 0.20% | 0.35% | 2.61% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 35 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| El Dorado Savings Bank, F.S.B. (main office) | Placerville , CA | 95667 | $125.6M |
| Tahoe Valley Y Branch | South Lake Tahoe , CA | 96150 | $91.6M |
| El Dorado Hills Branch | El Dorado Hills , CA | 95762 | $86.6M |
| Rancho Murieta Branch | Rancho Murieta , CA | 95683 | $85.2M |
| 48th & J Street Branch | Sacramento , CA | 95819 | $85.2M |
| Cameron Park Branch | Cameron Park , CA | 95682 | $80.6M |
| West Placerville Branch | Placerville , CA | 95667 | $80.2M |
| Sutter Creek Branch | Sutter Creek , CA | 95685 | $76.2M |
| Georgetown Branch | Georgetown , CA | 95634 | $75.2M |
| Murphys Branch | Murphys , CA | 95247 | $71.6M |
| 55th & Folsom Blvd Branch | Sacramento , CA | 95819 | $69.2M |
| Arnold Branch | Arnold , CA | 95223 | $64.8M |
| Carmichael Branch | Carmichael , CA | 95608 | $62.9M |
| Jackson Branch | Jackson , CA | 95642 | $59.4M |
| Al Tahoe Branch | South Lake Tahoe , CA | 96150 | $59.1M |
| Lake of the Pines Branch | Auburn , CA | 95602 | $58.8M |
| Twain Harte Branch | Twain Harte , CA | 95383 | $58.2M |
| Grass Valley Branch | Grass Valley , CA | 95945 | $56.8M |
| San Andreas Branch | San Andreas , CA | 95249 | $56.4M |
| Pine Grove Branch | Pine Grove , CA | 95665 | $56.2M |
| Diamond Springs Branch | Diamond Springs , CA | 95619 | $55.1M |
| Gardnerville Branch | Gardnerville , NV | 89410 | $53.6M |
| Elk Grove Branch | Elk Grove , CA | 95624 | $53.4M |
| Plymouth Branch | Plymouth , CA | 95669 | $51.9M |
| Folsom Branch | Folsom , CA | 95630 | $51.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 28, 1991 | Structure Change | Acquired Gold River Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 27, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for El Dorado Savings Bank, F.S.B., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in CA, rank 62 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about El Dorado Savings Bank, F.S.B.
What are El Dorado Savings Bank, F.S.B.'s total assets?
As of the Q2 2026 filing, El Dorado Savings Bank, F.S.B. reported total assets of $2.44 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is El Dorado Savings Bank, F.S.B. headquartered?
El Dorado Savings Bank, F.S.B. is headquartered in Placerville, CA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was El Dorado Savings Bank, F.S.B. founded?
El Dorado Savings Bank, F.S.B. was established in 1956, per the FDIC institution directory.
Is El Dorado Savings Bank, F.S.B. FDIC-insured?
Yes. El Dorado Savings Bank, F.S.B. is an FDIC-insured savings institution (FDIC Certificate #30953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates El Dorado Savings Bank, F.S.B.?
El Dorado Savings Bank, F.S.B.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is El Dorado Savings Bank, F.S.B.'s CET1 capital ratio?
El Dorado Savings Bank, F.S.B. reported a Common Equity Tier 1 (CET1) capital ratio of 53.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does El Dorado Savings Bank, F.S.B. operate?
El Dorado Savings Bank, F.S.B. operates 35 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is El Dorado Savings Bank, F.S.B.'s Texas Ratio?
El Dorado Savings Bank, F.S.B.'s Texas Ratio is 0.40% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was El Dorado Savings Bank, F.S.B. previously called?
The charter now named El Dorado Savings Bank, F.S.B. has also operated as El Dorado Savings Bank (1990-2001), per FDIC structure-change records.
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