El Dorado Savings Bank, F.S.B.
Placerville, California, El Dorado County
$2.4B in total assets, the 523rd largest of 4,309 US banks and 41st of 120 headquartered in California.
- FDIC certificate
- 30953
- Established
- 1956
- Owned by
- No holding company
- Primary regulator
- OCC
At a glance
Compared with 51 banks headquartered in California with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.4B | 41% | $2.9B | |
| Loans | $494M | 6% | $2.1B | |
| Deposits | $2.1B | 43% | $2.4B | |
| Return on assets | 0.96% | 24% | 1.22% | |
| Net interest margin | 2.71% | 4% | 3.81% | |
| Efficiency ratio | 58.1% | 63% | 53.5% | |
| Equity to assets | 13.79% | 80% | 11.31% | |
| Loans to deposits | 24% | 6% | 90% |
Growth
Total assets grew -2.0% a year over the last 5 years and 1.7% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 1991 | Gold River Savings Bank Fair Oaks, CA | $24M |
Where they operate
35 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| El Dorado County, CA | $748M | 18.3% | 2 of 9 |
| Sacramento County, CA | $479M | 0.7% | 13 of 30 |
| Amador County, CA | $244M | 26.8% | 1 of 6 |
| Calaveras County, CA | $193M | 27.0% | 1 of 6 |
| Douglas County, NV | $119M | 7.1% | 6 of 7 |
| Nevada County, CA | $116M | 4.6% | 7 of 11 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No change since 2016. The bank has operated 35 branches throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 100% | 13% | |
| Commercial real estate | 0% | 49% | |
| Construction and land | 0% | 3% | |
| Consumer | 0% | 2% | |
| Multifamily | 0% | 13% | |
| Farmland | 0% | 2% | |
| Business (C&I) | 0% | 16% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 48% | |
| Time deposits | 28% | 23% | |
| Noninterest-bearing | 16% | 29% |
Brokered deposits are 0.0% of deposits (peers 4.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.28% | 0.48% |
| Net charge-offs, annualized | 0.01% | 0.06% |
| Reserves to loans | 1.19% | 1.28% |
| Leverage ratio | 13.43% | 11.65% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in California
Largest competitors in El Dorado County, CA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/el-dorado-f-s-b