# EL DORADO SAVINGS BANK FSB
PLACERVILLE, CA · FDIC certificate 30953 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.44B | |
| Deposits | $2.09B | |
| Loans and leases | $493.8M | |
| Total equity | $336.2M | |
| Loans / deposits | 23.33% (p2 of band) | 87.10% |
| Liquid assets / assets | 77.66% (p99 of band) | |
| Uninsured deposits / deposits | 10.67% (p5 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.43% (p87 of band) | 10.50% |
| Unrealized securities loss / equity | -24.05% (p15 of band) | -7.75% |
| AOCI / equity | -0.01% (p74 of band) | |
| ROA (annualized) | 0.93% (p26 of band) | 1.26% |
| Net interest margin | 2.71% (p8 of band) | 3.70% |
| Efficiency ratio | 58.13% (p47 of band) | |
| Noncurrent loans | 0.28% (p31 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p26 of band) | |
| Reserve coverage of noncurrent | 429.10% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.02% (p5 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 263 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | securities losses >30% of equity |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | securities losses >30% of equity |
| 2012-03 | 1 | NIM <2.5% |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | reserve under noncurrent |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | NIM <2.5% |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | NIM <2.5% |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | expense ratio p90 |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | expense ratio p90 |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 4 |  | uninsured deposits leaving |
| 2024-09 | 3 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity | NIM <2.5%, deposits shrinking, assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | securities losses >30% of equity |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-04-08 [Best Banks and Credit Unions in Nevada 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijAFBVV95cUxNd3BoLTlhQ084WDh4TnZ0ZENyRlE2Wnp4UGRoUWp2RE1odUhHeWZ3SDYtdVNkV09nZjRJLTVMUm81MjNUcjY5di12a055Tll5ZXVOUzdpLUxTcUJ1cFNpeVpBZ250eVlrdkUwUXhqSV9rbXU0Y1NxcFlnNkJqTER0V1g2S3ZQNmR4WVc1RA?oc=5) · Newsweek Rankings
- 2025-04-08 [Best Banks and Credit Unions in California 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxONWFxRkExWV9IblE1OXl5eFotT1dhMHZRdHpzc1dWU1JvUGI2dF9YNXMtcmZGdE5JUkU3eTh4aWgxT2lIWDlTcUpfdGpSUUY2c251amFFX2VrVUstYVVZbzhwdndHS3JONjM5WlF2MDNNMXVvQ3Q4dlJJN19jMmFEMy1Rc1VtMm5ua0o5UnQ4RUJFZw?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30953 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "30953", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide