Is El Dorado Savings Bank FSB Safe?
El Dorado Savings Bank FSB has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (59/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 45.64% | 100/100 |
| Nonperforming Loan Ratio | 0.21% | 96/100 |
| Liquidity Ratio | 75.04% | 100/100 |
| Return on Assets | 0.98% | 59/100 |
| Total Assets | $2.4B | |
How does El Dorado Savings Bank FSB compare?
With a Bank Health Score of 95/100, El Dorado Savings Bank FSB sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within California, where 123 FDIC-insured banks are headquartered, El Dorado Savings Bank FSB ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 45.64% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.21% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, El Dorado Savings Bank FSB's Bank Health Score held roughly steady at 95/100. Tier 1 capital strengthened by 4.29 percentage points to 45.64%. Quarter-over-quarter, the score rose by 1.0 points.
El Dorado Savings Bank FSB has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (59/100).