← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

El Dorado Savings Bank FSB

Placerville, California · $2.44B in assets · beside the 11 other California banks between $1B and $3B

The filing

23.6%
Loans / deposits
1st of 12
0.1%
CRE / loans
1st of 12
-5.8%
Loans, year over year
12th of 12, largest first

El Dorado Savings Bank FSB is the sixth largest of the 12 California banks nearest its size between $1B and $3B, with $2.44B in assets at 30 June 2026. Loans are 23.6% of deposits, the lowest in the cohort against a median of 89.7%, and equity is 13.8% of assets, 2nd of 12. Loans grew -5.8% in the year, the slowest in the cohort, and deposits fell 2.4%; the cohort's median loan growth is +6.3%.

Noncurrent loans are 0.28% of the book, 4th of 12 against a median of 0.58%; 0.14% is 30 to 89 days past due, and the allowance covers them 4.3 times. Commercial real estate is 0.1% of loans, the lowest in the cohort against a median of 41.4%, and 0% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 0.94%, 9th of 12 against a median of 1.15%, on an efficiency ratio of 58.7%, 8th of 12. Five years ago it was 0.30%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 41.4% ED El Dorado Savings Bank FSB 0.1% OB Open Bank 33.8% CB Calprivate Bank 39.3% A Avidbank 39.4% PB Plumas Bank 40.4% MB Montecito Bank & Trust 41.0% MB Mission Bank 41.7% BS Beneficial State Bank 42.8% CB Commonwealth Business Bank 49.4% WC West Coast Community Bank 59.5% OV Oak Valley Community Bank 60.0% UB United Business Bank 60.9%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +6.3% PB Plumas Bank +48.5% A Avidbank +16.3% BS Beneficial State Bank +15.7% MB Mission Bank +12.9% OB Open Bank +9.0% WC West Coast Community Bank +7.7% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% UB United Business Bank +3.7% MB Montecito Bank & Trust +3.7% CB Calprivate Bank +2.0% ED El Dorado Savings Bank FSB -5.8%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
El DoradoRankCohort median
Total CRE against capital, the 300% screen0%1st of 12261%
Construction against capital, the 100% screen0%2nd of 1214%
Construction and land development, share of loans0.0%2nd of 122.3%
Non-owner-occupied nonfarm nonresidential, share of loans0.1%1st of 1228.5%
Total CRE, the guidance definition, share of loans0.1%1st of 1241.4%
CRE growth over 36 months, the third prong-70.8%1st of 12+29.7%
Commercial real estate against capital, the 300% screenCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 261% ED El Dorado Savings Bank FSB 0% PB Plumas Bank 235% MB Montecito Bank & Trust 240% CB Calprivate Bank 252% OB Open Bank 255% CB Commonwealth Business Bank 259% MB Mission Bank 263% A Avidbank 265% BS Beneficial State Bank 285% OV Oak Valley Community Bank 289% WC West Coast Community Bank 362% UB United Business Bank 402%
CRE growth over 36 months, the guidance's third prongCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +29.7% ED El Dorado Savings Bank FSB -70.8% CB Commonwealth Business Bank +5.2% MB Montecito Bank & Trust +11.2% A Avidbank +11.6% CB Calprivate Bank +13.9% UB United Business Bank +28.8% OV Oak Valley Community Bank +30.5% BS Beneficial State Bank +37.1% OB Open Bank +37.3% MB Mission Bank +44.9% PB Plumas Bank +50.7% WC West Coast Community Bank +74.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
West Coast Community Bank$2.94B2.0%42.1%0.50%0.38%1.5%90.0%13.5%
Open Bank$2.75B1.2%55.8%2.09%0.01%1.2%96.2%9.6%
Calprivate Bank$2.71B2.0%44.4%1.26%0.08%1.4%89.4%11.1%
Avidbank$2.65B1.4%51.6%0.65%0.42%1.0%95.7%11.6%
United Business Bank$2.56B0.1%83.3%0.47%0.28%1.1%95.5%12.7%
El Dorado Savings Bank FSB$2.44B0.9%58.7%0.28%0.01%1.2%23.6%13.8%
Plumas Bank$2.28B1.8%51.3%1.55%0.06%1.3%80.1%12.4%
Beneficial State Bank$2.03B0.1%76.1%2.53%0.73%1.8%90.9%9.3%
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
El DoradoCohort median
20212026Change20212026Change
Loans$577M$494M-14%$1.10B$1.54B+40%
Deposits$2.43B$2.09B-14%$1.43B$1.99B+39%
NPA / loans0.29%0.28%-0.01 pts0.22%0.58%+0.35 pts
Efficiency80.8%58.7%-22.0 pts55.2%56.2%+1.0 pts
ROA0.30%0.94%+0.64 pts1.11%1.15%+0.05 pts

This read was prepared for El Dorado Savings Bank FSB's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on El Dorado Savings Bank FSB is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $1B to $3B
Institution www.eldoradosavingsbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue