Eastern Savings Bank FSB
Hunt Valley, Maryland · FDIC Cert #32360
This is the FDIC profile for Eastern Savings Bank FSB, an FDIC-insured bank (Certificate #32360) with $388M in total assets and $260M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Hunt Valley, Maryland, the bank maintains a Tier 1 capital ratio of 25.35% (Well-Capitalized) and a nonperforming loan ratio of 5.11%. BankHealthData assigns a composite Health Grade of C (53/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Eastern Savings Bank FSB (FDIC cert 32360) is a community bank — $388M in total assets, $260M in deposits, serving the Hunt Valley, Maryland area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 25.35% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 5.11% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is thin: 14.5% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.51% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Eastern Savings Bank FSB carries a composite BankHealth grade of C (53/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Eastern Savings Bank FSB
- Total Assets
- $388M
- Total Deposits
- $260M
- Tier 1 Capital Ratio
- 25.35%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 5.11%
- Liquidity Ratio
- 14.51%
- Return on Assets
- 1.51%
- Headquarters
- Hunt Valley, Maryland
- FDIC Certificate
- #32360
- Health Grade
- C (53/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Eastern Savings Bank FSB files quarterly Call Reports with the FDIC under Certificate #32360. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Eastern Savings Bank FSB holds a Tier 1 capital ratio of 25.35%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Eastern Savings Bank FSB has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Eastern Savings Bank FSB shows average financial health. While not alarming, its Health Score of 53/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Eastern Savings Bank FSB Compares
Eastern Savings Bank FSB’s Health Score of 53 is 24 points below the Maryland state average of 77 across 28 FDIC-insured banks. Its 25.35% Tier 1 capital ratio is 11.3 points above the US banking industry average near 14%. The 5.11% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.51% is in line with or above the national ROA benchmark of ~1.1%. Among 1546 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, Eastern Savings Bank FSB is 27 points below the portfolio average of 80.
Frequently Asked Questions
Eastern Savings Bank FSB has a Bank Health Score of C (53/100), placing it in average financial health. It holds a Tier 1 capital ratio of 25.35%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Eastern Savings Bank FSB's Tier 1 capital ratio of 25.35% and nonperforming loan ratio of 5.11% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Eastern Savings Bank FSB is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #32360). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Eastern Savings Bank FSB holds $388M in total assets and $260M in total deposits. It is headquartered in Hunt Valley, Maryland (FDIC Certificate #32360).
Eastern Savings Bank FSB's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #32360 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Eastern Savings Bank FSB has a Tier 1 capital ratio of 25.35%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 5.11%, and the return on assets is 1.51%.
Yes. Eastern Savings Bank FSB is FDIC-insured (Certificate #32360). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Eastern Savings Bank FSB's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.