El Dorado Savings Bank, F.S.B.: how it compares with its peers
Against 29 CA banks with half to twice its assets, El Dorado Savings Bank, F.S.B.'s strongest measure in Q2 2026 is efficiency ratio (58.13% vs. a 54.86% peer median). Its weakest relative measure is net interest margin (2.71% vs. 3.92%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.93% | 1.20% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.71% | 3.92% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.13% | 54.86% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $10.6M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 23.33% | 88.94% | Context |
What it means for lending operations
Its efficiency ratio of 58.13% is above the 54.86% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- United Business Bank Walnut Creek, CA · $2.56B
- Plumas Bank Quincy, CA · $2.28B
- Avidbank San Jose, CA · $2.65B
- CalPrivate Bank La Jolla, CA · $2.71B
- Open Bank Los Angeles, CA · $2.75B
- Beneficial State Bank Oakland, CA · $2.03B
Questions about El Dorado Savings Bank, F.S.B.
How big is El Dorado Savings Bank, F.S.B.?
El Dorado Savings Bank, F.S.B., established in 1956, is headquartered in Placerville, CA. It reported $2.44B in total assets in its Q2 2026 FDIC call report and operates 35 offices.
What is El Dorado Savings Bank, F.S.B.'s return on assets?
0.93% annualized in Q2 2026, against a 1.20% median for 29 CA banks with half to twice its assets, ahead of 17% of them.
What is El Dorado Savings Bank, F.S.B.'s efficiency ratio?
58.13% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 54.86%, and lower is better.
Is El Dorado Savings Bank, F.S.B. growing its loans?
Net loans shrank 5.8% over the year to Q2 2026, while deposits shrank 2.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.