EL DORADO SAVINGS BANK, F.S.B.

PLACERVILLE, CA | Large | Est. Jan. 1, 1956, midnight | FDIC #30953 | RSSD #961576 | OCC
Latest Report: 2025-12-31

EL DORADO SAVINGS BANK, F.S.B. is aln large FDIC-insured commercial bank headquartered in PLACERVILLE, CA, established in Jan. 1, 1956, midnight. As of 2025-12-31, the bank reported total assets of $2.5B and total deposits of $2.1B. Profitability stands at 0.96% ROA and 7.29% ROE, with a net interest margin of 2.78%. The bank's CET1 capital ratio is 52.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.37% and a Texas Ratio of 0.56%. FDIC Certificate #30953.

Assets

$2.5B

Deposits

$2.1B

Loans

$510M

Equity

$328M

Profitability

Return on Assets (ROA) 0.96%
Return on Equity (ROE) 7.29%
Net Interest Margin (NIM) 2.78%
Yield on Assets 3.78%
Cost of Funds 1.26%

Asset Quality

NPL Ratio 0.37%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.56%
NPA Ratio 0.08%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 52.77%
Tier 1 Capital 52.77%
Total Capital Ratio 53.78%
Leverage Ratio 12.94%
Loan-to-Deposit 23.87%

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