El Dorado Savings Bank, F.S.B.

Overview / Commentary
4040 El Dorado Road
Placerville, CA 95667

El Dorado Savings Bank, F.S.B. is headquartered in Placerville and is the 38th largest bank in the state of California. It is also the 395th largest bank in the nation. It was established in 1956 and as of June of 2022, it had grown to 260 employees at 35 locations. El Dorado Savings Bank, F.S.B. has an A health rating.

Reviews (2)

Eldorado options

My experience with being a customer of this bank has always been very positive. I think that the bank teller staff at this bank is always friendly and courteous to me, and it appears to all people that go into the bank too. Another good thing about this bank is that they always give me very prompt and efficient service, with little to no lines to ever wait in, they never waste my time there. They always have plenty of people on staff at the bank, ready to assist me whenever I need it. I feel that this bank is a good one to use, with many different available options for my banking needs. This bank also has options to avoid fees, and has even allowed me one time to avoid getting a fee as well too. I think that they are one of the best local banks to bank with.


El Dorado Savings Bank is great if you're a local. They don't have many locations, but the ones they have are conveniently located, especially the branches where there aren't many other banks or ATMs around (for instance, the Rancho Murieta location). The customer service has always been phenomenal. When you call the phone number on the back of your card, a person actually answers right away. I love that level of personal customer service.

The main issues I've experienced with El Dorado Savings Bank involve convenience. As a result, it became difficult for me to keep them as my primary bank and I ended up switching to a national bank. While I'm happy with my current bank, I'd love if El Dorado Savings did a few things to make it easier to have them as my primary bank. For instance, not having ATM fee reimbursement is pretty ridiculous when you only have a handful of branches. Even when I'm not traveling out of the area, Sacramento is extremely sprawled out and I'd end up spending the same amount in gas trying to avoid an ATM fee.

I also wish they had a more comprehensive online banking service. I understand that this is a small local bank but again, when you only have several locations, I need to be able to do a lot more online so I don't have to drive across town.

Some of the above and beyond customer service they've had in the past has lessened--they're less forgiving about fees and have tightened up certain benefits to having accounts with them. I understand that this was probably a necessity and that people were taking advantage of these services, but I feel they need to do more to compete with large national banks.


Health Grade Components

FDIC Certificate #30953
Year Established1956
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD4.61%
Annual Interest Income$23.2MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$2.86B$2.70B
LoansQ2 2022vs Q2 2021$583.7MM$570.9MM
DepositsQ2 2022vs Q2 2021$2.57B$2.43B
Equity CapitalQ2 2022vs Q2 2021$268.9MM$260.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$6.2MM$6.2MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.7MM$1.6MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0

Rates for El Dorado Savings Bank, F.S.B. are currently being reviewed.



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.