Total Assets
$367M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$237M
Customer-funded liabilities
Net Loans
$278M
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
98th percentile nationally
2.98%
Return on Equity (ROE)
11.69%
Efficiency Ratio
56.56%
What the numbers say about Eastern Savings Bank, FSB
Eastern Savings Bank, FSB is an FDIC-insured institution (Certificate #32360) headquartered in Hunt Valley, Maryland, established in 1905. It holds $367M in total assets - 2,210th of 4,313 FDIC-insured banks, $237M in customer deposits, and $278M in net loans. Its capital position: a Tier 1 ratio of 28.18%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 11.40% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (93 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Eastern Savings Bank, FSB sits 21st of 28 banks headquartered in Maryland by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Maryland by total assets
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.
Other banks in Maryland
All Maryland banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Eastern Savings Bank, FSB's health grade?▼
Eastern Savings Bank, FSB receives a health grade of A (93/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Eastern Savings Bank, FSB?▼
Eastern Savings Bank, FSB holds $367M in total assets and $237M in deposits, ranking 2,210th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hunt Valley, Maryland.
Is my money safe at Eastern Savings Bank, FSB?▼
Yes, deposits at Eastern Savings Bank, FSB (Certificate #32360) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Eastern Savings Bank, FSB's Tier 1 Capital Ratio?▼
Eastern Savings Bank, FSB has a Tier 1 Capital Ratio of 28.18%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Eastern Savings Bank, FSB?▼
Eastern Savings Bank, FSB has a Texas Ratio of 11.40%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Eastern Savings Bank, FSB?▼
Eastern Savings Bank, FSB has an Efficiency Ratio of 56.56%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Eastern Savings Bank, FSB's profile as a depositor or analyst.
- Eastern Savings Bank, FSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Eastern Savings Bank, FSB against other Maryland banks before moving funds. Maryland banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.