TellerScore

Headquartered in Placerville, California, El Dorado Savings Bank, F.S.B. is a savings bank with $2.4B in total assets and $2.1B in deposits as of Q2 2026. It operates 35 offices across 2 states. Its charter dates back to 1956.

Based on its Q2 2026 filing, El Dorado Savings Bank, F.S.B. scores 84/100, which we describe as strong. That is higher than 95% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 13th. Its strongest component is funding & liquidity (100/100; 23% loans-to-deposits, 11% uninsured), and its lowest is earnings (57/100; 0.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Tier 1 leverage ratio: 13.43%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.28%
Earnings57/100
Return on assets (annualized): 0.93%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 23.3% · 10.7% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.40%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 84).

TellerScore
808284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202480
Q3 202481
Q4 202482
Q1 202584
Q2 202583
Q3 202583
Q4 202582
Q1 202684
Q2 202684
Tier 1 leverage ratio
5.00%9.22%13.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.31%
Q3 202412.47%
Q4 202412.56%
Q1 202512.68%
Q2 202512.69%
Q3 202512.71%
Q4 202512.94%
Q1 202613.11%
Q2 202613.43%
Noncurrent loans
0.12%0.25%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.21%
Q3 20240.20%
Q4 20240.23%
Q1 20250.12%
Q2 20250.18%
Q3 20250.23%
Q4 20250.37%
Q1 20260.22%
Q2 20260.28%
Return on assets
0.77%0.87%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.77%
Q3 20240.83%
Q4 20240.87%
Q1 20250.93%
Q2 20250.96%
Q3 20250.97%
Q4 20250.97%
Q1 20260.94%
Q2 20260.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$2.4B13.43%0.28%0.93%23.3%
Q1 202684$2.5B13.11%0.22%0.94%23.2%
Q4 202582$2.5B12.94%0.37%0.97%23.6%
Q3 202583$2.5B12.71%0.23%0.97%23.9%
Q2 202583$2.5B12.69%0.18%0.96%24.2%
Q1 202584$2.5B12.68%0.12%0.93%24.4%
Q4 202482$2.4B12.56%0.23%0.87%25.1%
Q3 202481$2.4B12.47%0.20%0.83%25.5%
Q2 202480$2.4B12.31%0.21%0.77%25.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.43%
88th
Total risk-based capital54.20%
99th
Problem loans0.28%
70th
Net charge-offs0.01%
68th
Return on assets0.93%
26th
Net interest margin2.71%
8th
Efficiency ratio58.1%
53rd
Loans to deposits23.3%
98th
Uninsured deposits10.7%
96th
Loan-loss reserves1.19%
57th
Texas ratio0.4%
91st

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
United Business BankBank Walnut Creek, CA60 out of 100, Moderate$2.6B11.7%0.47%vs
Plumas BankBank Quincy, CA67 out of 100, Moderate$2.3B11.8%1.55%vs
AvidbankBank San Jose, CA70 out of 100, Strong$2.7B12.0%0.65%vs
CalPrivate BankBank La Jolla, CA65 out of 100, Moderate$2.7B11.5%1.26%vs
Open BankBank Los Angeles, CA47 out of 100, Below average$2.7B10.1%2.09%vs
Beneficial State BankBank Oakland, CA43 out of 100, Below average$2.0B11.2%2.53%vs

Deposit insurance

Is my money safe at El Dorado Savings Bank, F.S.B.?

Yes. El Dorado Savings Bank, F.S.B. is an FDIC-insured institution (FDIC certificate #30953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.7% of deposits ($223.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.43%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 54.20% (benchmark: 10%).

Check how much of your own balance is covered

35 locations

Branches

El Dorado Savings Bank, F.S.B. lists 35 offices in 30 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
El Dorado Savings Bank, F.S.B.
Former names
El Dorado Savings Bank; El Dorado Savings and Loan Association
Type
Savings bank
FDIC certificate #
30953
RSSD ID
961576
Primary regulator
OCC
Established
January 1, 1956
Headquarters
4040 El Dorado Rd, Placerville, CA 95667
Employees
263

Quick answers

El Dorado Savings Bank, F.S.B.: common questions

Is El Dorado Savings Bank, F.S.B. FDIC insured?

Yes. El Dorado Savings Bank, F.S.B. is an FDIC-insured institution (FDIC certificate #30953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is El Dorado Savings Bank, F.S.B.'s TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has El Dorado Savings Bank, F.S.B. ever failed?

There is no failure record for FDIC certificate #30953 in the FDIC failed bank list.

How many branches does El Dorado Savings Bank, F.S.B. have?

35 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Placerville

InstitutionScoreAssetsCapitalProblem loansCompare
Sacramento Credit UnionCredit union Sacramento, CA96 out of 100, Very strong$858.3M15.1%0.09%vs
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
California Community Credit UnionCredit union Sacramento, CA79 out of 100, Strong$82.5M12.2%0.07%vs
Exchange BankBank Santa Rosa, CA77 out of 100, Strong$3.2B12.6%0.55%vs
Oak Valley Community BankBank Oakdale, CA76 out of 100, Strong$2.0B11.5%0.00%vs