Eastern Savings Bank

11350 McCormick Road, Suite 200
Hunt Valley, MD 21031
800-787-BANK
www.easternsavingsbank.com

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Eastern Savings Bank is headquartered in Hunt Valley and is the 11^st largest bank in the state of Maryland. It is also the 1,019^st largest bank in the nation. It was established in 1905 and as of September of 2011, it had grown to 160 employees at 5 locations. Eastern Savings Bank has a 1-star health rating.

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See Rates for: Checking | Money Market | CD | IRA

Eastern Savings Bank Checking Account Rates

Apy	Min	Max	Product
0.20%	$10k	-	Club 50 Checking
0.20%	$10k	-	Classic Checking

Eastern Savings Bank Money Market Rates

Apy	Min	Max	Product
0.60%	$100k	-	Money Market Savings
0.60%	$100k	-	Retirement Money Market
0.60%	$100k	-	Kids Club Money Market

Eastern Savings Bank CD Rates

Apy	Min	Max	Product
1.85%	$100k	-	60 Month Jumbo Certificate
1.80%	$1k	-	60 Month Certificate
1.55%	$100k	-	48 Month Jumbo Certificate
1.50%	$1k	-	48 Month Certificate
1.30%	$100k	-	36 Month Jumbo Certificate
1.25%	$1k	-	36 Month Certificate
1.10%	$100k	-	30 Month Jumbo Certificate
1.05%	$1k	-	30 Month Certificate
1.00%	$100k	-	24 Month Jumbo Certificate
0.95%	$1k	-	24 Month Certificate
0.80%	$100k	-	18 Month Jumbo Certificate
0.75%	$1k	-	18 Month Certificate
0.55%	$100k	-	12 Month Jumbo Certificate
0.50%	$1k	-	12 Month Certificate
0.30%	$100k	-	6 Month Jumbo Certificate
0.25%	$1k	-	6 Month Certificate
0.15%	$100k	-	3 Month Jumbo Certificate
0.10%	$1k	-	3 Month Certificate

Eastern Savings Bank IRA Rates

Apy	Min	Max	Product
1.85%	$100k	-	60 Month Jumbo IRA Certificate
1.85%	$100k	-	60 Month Jumbo Roth IRA Certificate
1.85%	$100k	-	60 Month Jumbo CESA Certificate
1.80%	$1k	-	60 Month IRA Certificate
1.80%	$1k	-	60 Month Roth IRA Certificate
1.80%	$1k	-	60 Month CESA Certificate
1.55%	$100k	-	48 Month Jumbo IRA Certificate
1.55%	$100k	-	48 Month Jumbo Roth IRA Certificate
1.55%	$100k	-	48 Month Jumbo CESA Certificate
1.50%	$1k	-	48 Month IRA Certificate
1.50%	$1k	-	48 Month Roth IRA Certificate
1.50%	$1k	-	48 Month CESA Certificate
1.30%	$100k	-	36 Month Jumbo IRA Certificate
1.30%	$100k	-	36 Month Jumbo Roth IRA Certificate
1.30%	$100k	-	36 Month Jumbo CESA Certificate
1.25%	$1k	-	36 Month IRA Certificate
1.25%	$1k	-	36 Month Roth IRA Certificate
1.25%	$1k	-	36 Month CESA Certificate
1.10%	$100k	-	30 Month Jumbo IRA Certificate
1.10%	$100k	-	30 Month Jumbo Roth IRA Certificate
1.10%	$100k	-	30 Month Jumbo CESA Certificate
1.05%	$1k	-	30 Month IRA Certificate
1.05%	$1k	-	30 Month Roth IRA Certificate
1.05%	$1k	-	30 Month CESA Certificate
1.00%	$100k	-	24 Month Jumbo IRA Certificate
1.00%	$100k	-	24 Month Jumbo Roth IRA Certificate
1.00%	$100k	-	24 Month Jumbo CESA Certificate
0.95%	$1k	-	24 Month IRA Certificate
0.95%	$1k	-	24 Month Roth IRA Certificate
0.95%	$1k	-	24 Month CESA Certificate
0.80%	$100k	-	18 Month Jumbo IRA Certificate
0.80%	$100k	-	18 Month Jumbo Roth IRA Certificate
0.80%	$100k	-	18 Month Jumbo CESA Certificate
0.75%	$100	-	18 Month Special Retirement Plan
0.75%	$1k	-	18 Month IRA Certificate
0.75%	$1k	-	18 Month Roth IRA Certificate
0.75%	$100	-	18 Month Special Roth IRA Retirement Plan
0.75%	$1k	-	18 Month CESA Certificate
0.55%	$100k	-	12 Month Jumbo IRA Certificate
0.55%	$100k	-	12 Month Jumbo Roth IRA Certificate
0.55%	$100k	-	12 Month Jumbo CESA Certificate
0.50%	$1k	-	12 Month IRA Certificate
0.50%	$1k	-	12 Month Roth IRA Certificate
0.50%	$1k	-	12 Month CESA Certificate
0.30%	$100k	-	6 Month Jumbo IRA Certificate
0.30%	$100k	-	6 Month Jumbo Roth IRA Certificate
0.30%	$100k	-	6 Month Jumbo CESA Certificate
0.25%	$1k	-	6 Month IRA Certificate
0.25%	$1k	-	6 Month Roth IRA Certificate
0.25%	$1k	-	6 Month CESA Certificate
0.15%	$100k	-	3 Month Jumbo IRA Certificate
0.15%	$100k	-	3 Month Jumbo Roth IRA Certificate
0.15%	$100k	-	3 Month Jumbo CESA Certificate
0.10%	$1k	-	3 Month IRA Certificate
0.10%	$1k	-	3 Month Roth IRA Certificate
0.10%	$1k	-	3 Month CESA Certificate

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Eastern Savings Bank, FSB
OTS #	08183
FDIC Certificate #	32360
BankRate Report	View
Year Established	1905
Employees	160
Primary Regulator	OCC
Assets and Liabilities
Assets	$641.00 million
Loans	$405.45 million
Deposits	$560.50 million
Equity Capital	$44.74 million
Loan Loss Allowance	$6.50 million
Unbacked Noncurrent Loans	$155.13 million
Real Estate Owned	$117.72 million
Historic Data - September 2010
Assets	$833.49 million
Equity Capital	$67.84 million
Loan Loss Allowance	$12.22 million
Unbacked Noncurrent Loans	$237.18 million
Real Estate Owned	$146.01 million
Profit Margin - Quarterly
Net Interest Margin	4.69%
Return on Assets	-1.52%
Return on Equity	-21.45%
Interest Income	$33.00 million

Institution Health

Overall Score:

1 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Eastern Savings Bank had $272.85 million in non-current loans and owned real-estate with $51.24 million in equity and loan loss allowances on hand to cover it. This gives Eastern Savings Bank a Texas Ratio of 532.53% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Eastern Savings Bank held steady from 478.65% as of September 30, 2010 to 532.53% as of September 30, 2011, resulting in a negative change of 11.26%. This indicates that the balance sheet and financial strength for Eastern Savings Bank has held steady in recent periods.
Deposit Growth
In the past year, Eastern Savings Bank has decreased its total deposits by -$167.33 million, resulting in -22.99% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Eastern Savings Bank has shown is poor.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Eastern Savings Bank has $641 million in assets with $51.24 million in equity, resulting in a capitalization level of 7.99%, which is below average.

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