FDIC Cert #32360 · Hunt Valley, Maryland · Est. 1905

Eastern Savings Bank, FSB - FDIC Bank Health Profile

A community-scale look at Eastern Savings Bank, FSB's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$367M
Total assets
A
Health grade · Excellent
2.98%
Return on assets
28.2%
Tier 1 capital

Data updated July 2026

The verdict

Eastern Savings Bank, FSB earns a PlainBankData health grade of A (93/100), with well-capitalized at 28.18% Tier 1, profitable at 2.98% ROA, efficient (57% cost ratio).

#2,210
largest of 4,313 FDIC banks by assets
49th
percentile by asset size, nationally
28.18%
Tier 1 ratio - above the 10% well-capitalized line
98th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 32360 · MD A · 93/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (93/100)
  • UPPER-Q #471/4307
  • PHOTO-FINISH South Georgia Bank · GA
  • TIER1-WELL 28.2% Tier 1
  • TEXAS-CLEAN 11.4% Texas
  • ROA-STRONG 2.98% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maryland: South Georgia Bank, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Eastern Savings Bank, FSB

Lowest and highest poles plus nearest scored peers outside Maryland, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Equity Bank · IL · near93/100Eastern Savings Bank… · MD ·…93/100First Western Federa… · SD ·…93/100South Georgia Bank · GA · ne…93/100Surety Bank · FL · near93/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Eastern Savings Bank, FSB · July 2026

Call Report read for Eastern Savings Bank, FSB in a high-failure state

Eastern Savings Bank, FSB (FDIC Cert #32360) carries a PlainBankData health grade of A at 93/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #471 of 4,307. Tier 1 capital prints at 28.18%, clearing the 10% well-capitalized line. The Texas Ratio is 11.40%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.98%. Balance-sheet scale is $367M, 2,210th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is South Georgia Bank (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Eastern Savings Bank, FSB

10 FAILURE resolutions in Maryland since 2000, heavy vs the state corpus

Eastern Savings Bank, FSB sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Eastern Savings Bank, FSB's current Call Report.

  • SLAVIE FEDERAL SAVINGS BANK BEL AIR, MD 2014 → BAY BANK, FSB
  • NBRS FINANCIAL BANK RISING SUN, MD 2014 → HOWARD BANK
  • BANK OF THE EASTERN SHORE CAMBRIDGE, MD 2012

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maryland banks.

How Eastern Savings Bank, FSB's 93/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10093/100
Eastern Savings Bank, FSB's composite health score
Tier 1 Capital Ratio (28.18%) 40/40
Return on Assets (ROA) (2.98%) 25/25
Texas Ratio (11.40%) 16/20
Efficiency Ratio (56.56%) 12/15

93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$367M

Total balance-sheet footings

Total Deposits

$237M

Customer-funded liabilities

Net Loans

$278M

Outstanding loan book

Net Income

$12M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 26.78% 28.18% 29.58%
Basel III capital ratios - Eastern Savings Bank, FSB

Where Eastern Savings Bank, FSB ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Eastern Savings Bank, FSB's score of 93/100 falls in the highlighted band.

Eastern Savings Bank, FSB: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

93 Top 11% higher than 89% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Eastern Savings Bank, FSB 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Eastern Savings Bank, FSB's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Eastern Savings Bank, FSB's $367M falls in the highlighted band.

Capital & credit buffers at Eastern Savings Bank, FSB

Tier 1 capital ratio
Well-capitalized 10%

28.18% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
28.18%
Texas Ratio
11.40%
Equity Capital
$106M

What these ratios mean →

Earnings posture at Eastern Savings Bank, FSB

Return on Assets (ROA)
98th percentile nationally
2.98%
Return on Equity (ROE)
11.69%
Efficiency Ratio
56.56%

What these mean →

Income & expense at Eastern Savings Bank, FSB

$29M
Interest Income
$4M
Non-Interest Income
$14M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Eastern Savings Bank, FSB reports a Texas Ratio of 11.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

11.40% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Eastern Savings Bank, FSB on FDIC BankFind →

Top banks in Maryland by total assets

Largest banks headquartered in Maryland
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Forbright Bank $7.9B

    Potomac, MD · Grade B

  3. 3
    Shore United Bank $6.3B

    Easton, MD · Grade B

  4. 4
    CFG Bank $5.7B

    Lutherville, MD · Grade B

  5. 5
    Capital Bank $3.5B

    Rockville, MD · Grade B

Top 5 banks in Maryland ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($367M here), outside Maryland so the neighborhood is not state containment.

First State Bank $367M · KY Rabun County Bank $366M · GA The North Country Savings Bank $366M · NY First National Bank of Griffin $366M · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Eastern Savings Bank, FSB (FDIC Cert #32360) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Eastern Savings Bank, FSB Call Report profile · FDIC Failed Bank List · Maryland FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maryland

All Maryland banks →
BankAssetsGradeROA
EagleBankBethesda $10.4B C -1.20%
Forbright BankPotomac $7.9B B 1.35%
Shore United Bank, National AssociationEaston $6.3B B 1.08%
CFG BankLutherville $5.7B B 1.43%
Capital Bank, National AssociationRockville $3.5B B 1.51%
First United Bank & TrustOakland $2.1B A 1.27%
Rosedale BankNottingham $1.3B B 0.18%
Middletown Valley BankMiddletown $1.1B B 0.90%