Eastern Savings Bank FSB
Hunt Valley, Maryland · FDIC Cert #32360
Eastern Savings Bank FSB is an FDIC-insured bank (Certificate #32360) with $388M in total assets and $260M in total deposits as of the Q2 2024 Call Report. Headquartered in Hunt Valley, Maryland, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 5.11%. BankHealthData assigns a composite Health Grade of F (18/100). 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.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. 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 F (18/100) 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
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 5.11%
- Liquidity Ratio
- 14.51%
- Return on Assets
- 1.51%
- Headquarters
- Hunt Valley, Maryland
- FDIC Certificate
- #32360
- Health Grade
- F (18/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Eastern Savings Bank FSB holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Eastern Savings Bank FSB to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Eastern Savings Bank FSB shows some financial weakness with a Health Score of 18/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
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 18 is 51 points below the Maryland state average of 69 across 28 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below 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 1545 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Eastern Savings Bank FSB is 52 points below the portfolio average of 70.
Frequently Asked Questions
Eastern Savings Bank FSB has a Bank Health Score of F (18/100), placing it in weak financial health. It holds a Tier 1 capital ratio of 0.00%, which is below 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 0.00% and nonperforming loan ratio of 5.11% indicate an elevated 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 has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." 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 F grade on our Bank Health Score means below 40/100 — significant weakness on multiple metrics; depositors above the FDIC limit should be especially vigilant. 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 shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.