Eastern Savings Bank Federal Savings Bank
Also written as ESB Federal Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Eastern Savings Bank Federal Savings Bank is an FDIC-insured savings institution headquartered in Hunt Valley, MD, established in 1905 (FDIC certificate 32360), and it is supervised by the OCC. At Q2 2026 it reported total assets of $336.4M, down 18.9% from Q2 2025, the 23rd largest of 27 banks headquartered in Maryland. It reports no CET1 ratio; its Tier 1 leverage ratio was 30.96% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 32360
- Headquarters
- Hunt Valley, MD
- Established
- 1905
- Total assets, Q2 2026
- $336.4M
- Assets vs Q2 2025
- -18.9%
- Tier 1 leverage ratio, Q2 2026
- 30.96%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 252070639
- Latest call report
- Q2 2026, FFIEC 051 · Eastern Savings Bank Federal Savings Bank Q3 2026 call report, filed October 23, 2026 (preliminary)
- Asset rank in state
- 23rd of 27 in Maryland
Problem loans are rising at Eastern Savings Bank Federal Savings Bank. Based in Hunt Valley, Maryland, it had $336 million in assets at June 30, 2026, down 18.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 6.73% of loans from 4.17% a year earlier. It keeps 5.40 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also funds 30.96% of its assets with Tier 1 capital, about triple the median of 10.99% for banks its size.
Net income for the quarter slipped 12% from a year earlier, to $1.9 million. Over the same year, loans shrank 21.5% and deposits shrank 27.6%. Credit is the area to watch: it carries problem assets equal to 19.2% of the capital and reserves that would absorb them, 7.3 times the median of 2.6% for banks its size.
As of June 30, 2026, Eastern Savings Bank Federal Savings Bank reported a return on assets of 2.14%, a nonperforming-loan ratio of 6.73% and a Texas ratio of 19.24%. The figures come from its call report filed with the FFIEC.
Eastern Savings Bank Federal Savings Bank ranks as the 23rd largest of the 27 banks based in Maryland, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 5.0% to $336.4M, loans fell 10.5% and deposits fell 7.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 34.1% of total loans, ahead of construction and land development loans at 23.8%. Its 3 offices in the FDIC Summary of Deposits are in Hunt Valley, MD, Pikesville, MD and Ellicott City, MD; its Hunt Valley office books 42% of its branch deposits. By the capital ratios in its Q2 2026 call report, Eastern Savings Bank Federal Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 11350 Mccormick Rd, Hunt Valley, MD 21031
- County
- Baltimore
- Metro Area
- Baltimore-Columbia-Towson, MD
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 29, 1905
- Former names
- Eastern Savings Bank, FSB (1986)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $208.0M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $350.8M
- Average total loans
- $252.7M
- Average interest-bearing deposits
- $218.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32360
- Fed RSSD
- 643078
- Website
- www.easternsavingsbank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Eastern Savings Bank Federal Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Eastern Savings Bank Federal Savings Bank's total assets ran between $336.4M (Q2 2026) and $415.0M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$336.4M total assets against $415.0M; $227.8M total liabilities against $315.5M.
$241.6M net loans and leases against $307.7M; $208.0M total deposits against $287.4M.
$19.2M securities against $23.9M; $51.1M cash and balances due against $57.0M.
$6.1M total interest income against $7.3M; $1.6M total interest expense against $2.0M.
$4.5M net interest income against $5.3M.
$247K total noninterest income against $208K; $2.8M total noninterest expense against $3.5M.
-$40K provision for credit losses against -$141K.
$1.9M net income against $2.1M.
2.14% return on assets against 2.08%; 5.40% net interest margin against 5.21%.
30.96% tier 1 leverage ratio against 24.23%.
Inside the full Eastern Savings Bank Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Eastern Savings Bank Federal Savings Bank rankings
Its closest position to the top of a national ranking is 188 of 3,640, for Texas Ratio; its furthest is 2,296 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.01% (Q1 2025) to 5.01% (Q3 2025) and its net interest margin ran from 5.21% (Q2 2025) to 6.64% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 30.96% | 2.14% | 6.73% | 19.24% | 5.40% |
| Q1 2026 | 29.71% | 2.35% | 5.53% | 18.11% | 5.69% |
| Q4 2025 | 28.18% | 2.59% | 4.43% | 15.91% | 5.68% |
| Q3 2025 | 24.85% | 5.01% | 4.08% | 16.09% | 5.59% |
| Q2 2025 | 24.23% | 2.08% | 4.17% | 17.25% | 5.21% |
| Q1 2025 | 23.83% | 2.01% | 3.95% | 16.72% | 5.46% |
| Q4 2024 | 24.96% | 2.11% | 3.93% | 16.42% | 5.73% |
| Q3 2024 | 25.38% | 2.44% | 3.97% | 16.77% | 6.64% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Eastern Savings Bank, Fsb | Hunt Valley , MD | 21031 | $88.2M |
| 1417 Reistertown Road Branch | Pikesville , MD | 21208 | $77.8M |
| Baltimore National Pike Branch | Ellicott City , MD | 21042 | $41.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC, OCC (former OTS)); 2 against individuals associated with it
- March 31, 2014, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Eastern Savings Bank, FSB
- November 2, 2010, OCC (former OTS): Civil Money Penalty: Eastern Savings Bank
- February 20, 2009, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Eastern Savings Bank, FSB
- February 20, 2009, OCC (former OTS): Cease and Desist: Eastern Savings Bank, FSB
- Period: Most recent institution action March 31, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MD, rank 40 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Eastern Savings Bank Federal Savings Bank
What are Eastern Savings Bank Federal Savings Bank's total assets?
As of the Q2 2026 filing, Eastern Savings Bank Federal Savings Bank reported total assets of $336.4 million in its FFIEC call report.
Where is Eastern Savings Bank Federal Savings Bank headquartered?
It is headquartered in Hunt Valley, MD, United States.
When was Eastern Savings Bank Federal Savings Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Eastern Savings Bank Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #32360). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Eastern Savings Bank Federal Savings Bank?
Eastern Savings Bank Federal Savings Bank's primary federal regulator is the OCC.
How many branches does Eastern Savings Bank Federal Savings Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Eastern Savings Bank Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 19.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Eastern Savings Bank Federal Savings Bank previously called?
The charter now named Eastern Savings Bank Federal Savings Bank has also operated as Eastern Savings Bank, FSB (1986), per FDIC structure-change records.
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