Eastern Savings Bank, FSB: how it compares with its peers
Against 1000 U.S. banks with half to twice its assets, Eastern Savings Bank, FSB's strongest measure in Q2 2026 is net interest margin (5.69% vs. a 3.94% peer median). Its weakest relative measure is efficiency ratio (61.06% vs. 61.64%).
| Measure | Eastern Savings Bank, FSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.27% | 1.30% | Top third Ahead of 92% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.69% | 3.94% | Top third Ahead of 98% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.06% | 61.64% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $6.8M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 116.16% | 79.50% | Context |
What it means for lending operations
Its efficiency ratio of 61.06% is better than the 61.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers and Merchants State Bank of Pierz Pierz, MN · $336M
- The Citizens State Bank Gridley, KS · $336M
- Charles River Bank Medway, MA · $336M
- The First Trust and Savings Bank of Watseka, Illinois Watseka, IL · $337M
- Security State Bank Farwell, TX · $338M
- Pathway Bank Cairo, NE · $338M
Questions about Eastern Savings Bank, FSB
How big is Eastern Savings Bank, FSB?
Eastern Savings Bank, FSB, established in 1905, is headquartered in Hunt Valley, MD. It reported $336M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Eastern Savings Bank, FSB's return on assets?
2.27% annualized in Q2 2026, against a 1.30% median for 1000 U.S. banks with half to twice its assets, ahead of 92% of them.
What is Eastern Savings Bank, FSB's efficiency ratio?
61.06% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 61.64%, and lower is better.
Is Eastern Savings Bank, FSB growing its loans?
Net loans shrank 21.5% over the year to Q2 2026, while deposits shrank 27.6%.
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 U.S. 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 Maryland bank ranked.