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El Dorado Savings Bank, F.S.B.
Placerville, CA · FDIC Certificate #30953 · Chartered 01/0
Total assets
$2.44B
Total deposits
$2.09B
Total equity
$336.18M
Net loans
$487.94M
Branches (offices)
35
Net income (YTD)
$11.48M
Rank: #511 of 4,213 U.S. banks by assets · #39 of 115 in California. Assets changed -1.4% and deposits -2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.93% |
| Return on equity | 6.92% |
| Net interest margin (YTD) | 2.71% |
| Equity to assets | 13.79% |
| Tier 1 leverage ratio | 13.43% |
| Uninsured deposits (share of deposits) | 10.7% |
| Noncurrent loans (share of loans) | 0.28% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 23.3% |
| Real estate loans (share of loans) | 101.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $493.54M | 101.1% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $21.00K | 0.0% | |
| Construction & development | $62.00K | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.86B | $2.57B | $6.15M | $268.91M |
| Jun 2023 | $2.59B | $2.28B | $11.60M | $286.69M |
| Jun 2024 | $2.40B | $2.09B | $9.38M | $302.87M |
| Jun 2025 | $2.47B | $2.14B | $11.72M | $318.19M |
| Jun 2026 | $2.44B | $2.09B | $11.48M | $336.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $1.96B | 31 |
| Nevada | $136.34M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.09B.
Similar-sized banks
Credit One Bank, National Association ($2.44B) · First County Bank ($2.42B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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