Eastern Savings Bank Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Eastern Savings Bank Federal Savings Bank of Hunt Valley, MD against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.14% | 1.34% | +0.80% | 89th top |
| ROAE | 6.96% | 13.32% | -6.36% | 21st bottom |
| Net Interest Margin | 5.40% | 3.93% | +1.47% | 97th top |
| Efficiency Ratio | 60.44% | 61.14% | -0.70% | 53rd above |
| PPNR / Avg Assets | 2.12% | 1.68% | +0.44% | 77th top |
| Yield on Earning Assets | 7.37% | 5.67% | +1.70% | 97th top |
| Cost of Funds | 2.71% | 1.88% | +0.83% | 10th bottom |
| Net Interest Spread | 4.53% | 3.32% | +1.21% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 9.85% | 0.94% | +8.91% | 0th bottom |
| NPA / Total Assets | 8.64% | 0.70% | +7.94% | 0th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 76th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 52nd above |
| ACL / NPLs (Coverage) | 12.34% | 1539.22% | -1526.88% | 0th bottom |
| Texas Ratio | 28.52% | 7.32% | +21.20% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 30.96% | 12.13% | +18.83% | 99th top |
| Equity / Assets | 32.28% | 11.37% | +20.91% | 99th top |
| TCE / Tangible Assets | 32.28% | 11.09% | +21.19% | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 117.59% | 80.63% | +36.96% | 2nd bottom |
| Core Deposit Ratio | 68.67% | 86.87% | -18.20% | 4th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.76% | 5.03% | -0.27% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -18.93% | 6.86% | -25.79% | 0th bottom |
| Loan Growth (Y/Y) | -21.46% | 7.91% | -29.37% | 0th bottom |
| Deposit Growth (Y/Y) | -27.64% | 6.30% | -33.94% | 0th bottom |
See Eastern Savings Bank Federal Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Eastern Savings Bank Federal Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Eastern Savings Bank Federal Savings Bank profile, how to read a UBPR, or how this data updates.