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Overview / Commentary
4040 El Dorado Road
Placerville, CA 95667

El Dorado Savings Bank, F.S.B. is headquartered in Placerville and is the 36th largest bank in the state of California. It is also the 385th largest bank in the nation. It was established in 1956 and as of June of 2014, it had grown to 298 employees at 35 locations. El Dorado Savings Bank, F.S.B. has a A health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 El Dorado Savings Bank, F.S.B. had $3.07 million in non-current loans and owned real-estate with $194.22 million in equity and loan loss allowances on hand to cover it. This gives El Dorado Savings Bank, F.S.B. a Texas Ratio of 1.58% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for El Dorado Savings Bank, F.S.B. experienced no significant changes from 0.88% as of June 30, 2013 to 1.58% as of June 30, 2014, resulting in a negative change of 78.63%. This indicates that the balance sheet and financial strength for El Dorado Savings Bank, F.S.B. has had no significant changes in recent periods.

Deposit Growth


In the past year, El Dorado Savings Bank, F.S.B. has increased its total deposits by $37.91 million, resulting in 2.33% 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 El Dorado Savings Bank, F.S.B. has shown is above average.



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. El Dorado Savings Bank, F.S.B. has $1.86 billion in assets with $194.22 million in equity, resulting in a capitalization level of 10.45%, which is above average.

Institution Statistics

FDIC Certificate #30953
Year Established1956
Primary RegulatorOCC
Assets and Liabilities
Assets$1.86 billion
Loans$433.71 million
Deposits$1.67 billion
Equity Capital$185.94 million
Loan Loss Allowance$8.29 million
Unbacked Noncurrent Loans$3.07 million
Real Estate Owned$0
Historic Data - June 2013
Assets$1.81 billion
Equity Capital$177.13 million
Loan Loss Allowance$10.49 million
Unbacked Noncurrent Loans$3.07 million
Real Estate Owned$159,000
Profit Margin - Quarterly
Return on Assets0.63%
Return on Equity6.42%
Interest Income$22.62 million

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El Dorado Savings Bank, F.S.B. Savings Account Rates

0.03%$300-Personal Regular Savings
0.03%$300-Business Regular Savings

El Dorado Savings Bank, F.S.B. Money Market Rates

0.14%$100k-Gold Money Market Savings
0.14%$100k-Business Money Market Savings
0.10%$100k-Investor's Money Market Checking

El Dorado Savings Bank, F.S.B. Checking Account Rates

0.02%$500-Personal Interest Checking
0.02%$2,500-Business Interest Checking

El Dorado Savings Bank, F.S.B. CD Rates

1.15%$99k-5 Year Jumbo CD
1.15%$99k-Business 5 Year Jumbo CD
1.10%$500-60 Month CD
1.10%$500-Business 60 Month CD
0.60%$99k-3 Year Jumbo CD
0.60%$99k-Business 3 Year Jumbo CD
0.55%$500-36 Month CD
0.55%$500-Business 36 Month CD
0.50%$500-30 Month CD
0.50%$500-Business 30 Month CD
0.40%$500-24 Month CD
0.40%$1k-25 Month CD
0.40%$99k-2 Year Jumbo CD
0.40%$500-Business 24 Month CD
0.40%$1k-Business 25 Month CD
0.40%$99k-Business 2 Year Jumbo CD
0.30%$10k-15 Month CD
0.30%$500-18 Month CD
0.30%$10k-Business 15 Month CD
0.30%$500-Business 18 Month CD
0.25%$10k-14 Month CD
0.25%$99k-270-365 Day Jumbo CD
0.25%$10k-Business 14 Month CD
0.25%$99k-Business 270-365 Day Jumbo CD
0.20%$10k-9 Month CD
0.20%$10k-10 Month CD
0.20%$500-12 Month CD
0.20%$99k-180-239 Day Jumbo CD
0.20%$99k-240-269 Day Jumbo CD
0.20%$10k-Business 9 Month CD
0.20%$10k-Business 10 Month CD
0.20%$500-Business 12 Month CD
0.20%$99k-Business 180-239 Day Jumbo CD
0.20%$99k-Business 240-269 Day Jumbo CD
0.18%$10k-8 Month CD
0.18%$99k-150-179 Day Jumbo CD
0.18%$10k-Business 8 Month CD
0.18%$99k-Business 150-179 Day Jumbo CD
0.16%$500-6 Month CD
0.16%$10k-7 Month CD
0.16%$500-Business 6 Month CD
0.16%$10k-Business 7 Month CD
0.15%$10k-5 Month CD
0.15%$99k-120-149 Day Jumbo CD
0.15%$10k-Business 5 Month CD
0.15%$99k-Business 120-149 Day Jumbo CD
0.12%$10k-4 Month CD
0.12%$99k-90-119 Day Jumbo CD
0.12%$10k-Business 4 Month CD
0.12%$99k-Business 90-119 Day Jumbo CD
0.10%$500-3 Month CD
0.10%$500-Business 3 Month CD
0.10%$10k-Business 3 Month CD
0.08%$99k-30-59 Day Jumbo CD
0.08%$99k-60-89 Day Jumbo CD
0.08%$99k-Business 30-59 Day Jumbo CD
0.08%$99k-Business 60-89 Day Jumbo CD
0.05%$10k-1 Month CD
0.05%$10k-2 Month CD
0.05%$10k-Business 1 Month CD
0.05%$10k-Business 2 Month CD

El Dorado Savings Bank, F.S.B. IRA Rates

0.35%$250-18 Month IRA CD

El Dorado Savings Bank, F.S.B. has 36 locations. Click to view all El Dorado Savings Bank, F.S.B. locations.