Side-by-side · Q2 2026 data
Eastern Savings Bank, FSB vs BayVanguard Bank
Metric by metric
| Measure | Eastern Savings Bank, FSB | BayVanguard Bank |
|---|---|---|
| TellerScore | 63 | 80 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 84 (stronger) |
| Earnings | 100 (stronger) | 60 |
| Funding & liquidity | 44 | 52 (stronger) |
| Problem-loan coverage | 62 | 96 (stronger) |
| Peer percentile | 24th | 77th |
| Total assets | $336.4M | $868.7M |
| Deposits / shares | $208.0M | $689.1M |
| Capital ratio | 30.96% (stronger) | 17.13% |
| Problem loans | 6.73% | 0.48% (stronger) |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 2.27% (stronger) | 1.01% |
| Loans ÷ deposits | 116.2% | 102.2% (stronger) |
| Uninsured deposits | 20.9% | 20.7% (stronger) |
| Offices | 3 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.3% |
BayVanguard Bank has the higher TellerScore (80 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Eastern Savings Bank, FSB leads on 2 and BayVanguard Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.