Total Assets
$2.5B
Total balance-sheet footings
FDIC Cert #30953 · Placerville, California · Est. 1956
El Dorado Savings Bank, F.S.B. - FDIC Bank Health Profile
A community-scale look at El Dorado Savings Bank, F.S.B.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.5B
- Total assets
- A
- Health grade · Excellent
- 0.97%
- Return on assets
- 52.8%
- Tier 1 capital
Data updated July 2026
The verdict
El Dorado Savings Bank, F.S.B. earns a PlainBankData health grade of A (86/100), with well-capitalized at 52.77% Tier 1, 0.97% ROA, efficient (56% cost ratio).
- #505
- largest of 4,313 FDIC banks by assets
- 88th
- percentile by asset size, nationally
- 52.77%
- Tier 1 ratio - above the 10% well-capitalized line
- 41st
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
FDIC Call Report plate
Cert 30953 · CA A · 86/100
GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL
- GRADE-A A (86/100)
- MID-PACK #1306/4307
- PHOTO-FINISH Sewickley Savings Bank · PA
- TIER1-WELL 52.8% Tier 1
- TEXAS-CLEAN 0.6% Texas
- ROA-PAR 0.97% ROA
- SIZE-REGIONAL $1–10B
- BOOK-FULL 9/9 fields
Nearest health peer outside California: Sewickley Savings Bank, PA (±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 El Dorado Savings Bank, F.S.B.
Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.
Call Report read for El Dorado Savings Bank, F.S.B. in a high-failure state
El Dorado Savings Bank, F.S.B. (FDIC Cert #30953) carries a PlainBankData health grade of A at 86/100, 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 #1,306 of 4,307. Tier 1 capital prints at 52.77%, clearing the 10% well-capitalized line. The Texas Ratio is 0.56%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.97%. Balance-sheet scale is $2.5B, 505th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Sewickley Savings Bank (PA), 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 El Dorado Savings Bank, F.S.B.
44 FAILURE resolutions in California since 2000, heavy vs the state corpus
El Dorado Savings Bank, F.S.B. sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about El Dorado Savings Bank, F.S.B.'s current Call Report.
- FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
- SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
- FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.
How El Dorado Savings Bank, F.S.B.'s 86/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (52.77%) 40/40
Return on Assets (ROA) (0.97%) 14/25
Texas Ratio (0.56%) 20/20
Efficiency Ratio (56.50%) 12/15
86 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.1B
Customer-funded liabilities
Net Loans
$504M
Outstanding loan book
Net Income
$24M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where El Dorado Savings Bank, F.S.B. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. El Dorado Savings Bank, F.S.B.'s score of 86/100 falls in the highlighted band.
El Dorado Savings Bank, F.S.B.: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
86 Top 30% higher than 70% of 4,307 FDIC-insured banks
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
El Dorado Savings Bank, F.S.B.'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). El Dorado Savings Bank, F.S.B.'s $2.5B falls in the highlighted band.
Capital & credit buffers at El Dorado Savings Bank, F.S.B.
Tier 1 capital ratio
Well-capitalized 10%
52.77% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
52.77%
Texas Ratio
0.56%
Equity Capital
$328M
Profitability metrics: El Dorado Savings Bank, F.S.B.
Return on Assets (ROA)
41st percentile nationally
0.97%
Return on Equity (ROE)
7.49%
Efficiency Ratio
56.50%
Income & expense at El Dorado Savings Bank, F.S.B.
$85M
Interest Income
$8M
Non-Interest Income
$41M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. El Dorado Savings Bank, F.S.B. reports a Texas Ratio of 0.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.56% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($2.5B here), outside California so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) El Dorado Savings Bank, F.S.B. (FDIC Cert #30953) - 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.
El Dorado Savings Bank, F.S.B. Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |