# EASTERN SAVINGS BANK FSB
HUNT VALLEY, MD · FDIC certificate 32360 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $336.4M | |
| Deposits | $208.0M | |
| Loans and leases | $244.6M | |
| Total equity | $108.6M | |
| Loans / deposits | 116.16% (p99 of band) | 82.04% |
| Liquid assets / assets | 20.87% (p34 of band) | |
| Uninsured deposits / deposits | 20.94% (p32 of band) | 25.97% |
| Brokered deposits | 13.45% | |
| Wholesale funding | 18.21% (p92 of band) | |
| FHLB advances / assets | 4.76% | |
| Tier 1 leverage | 30.96% (p99 of band) | 10.81% |
| Unrealized securities loss / equity | -0.59% (p89 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 2.27% (p92 of band) | 1.28% |
| Net interest margin | 5.69% (p98 of band) | 3.91% |
| Efficiency ratio | 61.06% (p49 of band) | |
| Noncurrent loans | 6.73% (p99 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 18.05% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 53.70% (p59 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -27.6% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 7 | leverage <7%, capital falling | brokered >10% |
| 2011-12 | 7 |  |  |
| 2012-03 | 9 | deposits shrinking, assets shrinking |  |
| 2012-06 | 9 |  |  |
| 2012-09 | 9 |  |  |
| 2012-12 | 8 |  | capital falling |
| 2013-03 | 6 |  | losing money, expense ratio p90 |
| 2013-06 | 6 |  |  |
| 2013-09 | 6 |  |  |
| 2013-12 | 6 |  |  |
| 2014-03 | 6 |  |  |
| 2014-06 | 6 |  |  |
| 2014-09 | 5 | uninsured deposits leaving | leverage <7%, assets shrinking |
| 2014-12 | 6 | expense ratio p90 |  |
| 2015-03 | 7 | assets shrinking |  |
| 2015-06 | 6 |  | expense ratio p90 |
| 2015-09 | 5 |  | uninsured deposits leaving |
| 2015-12 | 4 |  | charge-offs p90 |
| 2016-03 | 4 |  |  |
| 2016-06 | 5 | expense ratio p90 |  |
| 2016-09 | 4 |  | expense ratio p90 |
| 2016-12 | 4 | expense ratio p90 | assets shrinking |
| 2017-03 | 4 | charge-offs p90 | expense ratio p90 |
| 2017-06 | 3 |  | charge-offs p90 |
| 2017-09 | 6 | loans exceed deposits, assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 4 |  | assets shrinking, uninsured deposits leaving |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 3 |  | deposits shrinking |
| 2018-12 | 4 | deposits shrinking |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 5 | expense ratio p90 |  |
| 2019-09 | 6 | uninsured deposits leaving |  |
| 2019-12 | 6 |  |  |
| 2020-03 | 4 |  | deposits shrinking, expense ratio p90 |
| 2020-06 | 3 |  | uninsured deposits leaving |
| 2020-09 | 5 | capital falling, expense ratio p90 |  |
| 2020-12 | 3 |  | capital falling, expense ratio p90 |
| 2021-03 | 4 | expense ratio p90 |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | expense ratio p90 |
| 2021-12 | 2 |  | loans exceed deposits |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | charge-offs p90 |  |
| 2022-09 | 2 |  | charge-offs p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | loans exceed deposits |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | capital falling |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | capital falling |  |
| 2025-06 | 3 |  | capital falling |
| 2025-09 | 5 | brokered >10%, wholesale funding >15% |  |
| 2025-12 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2026-03 | 8 |  |  |
| 2026-06 | 8 |  |  |

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

- 2015-09-24 [Appletree Lane Home Goes for Almost $3.4 Million & Other Darien Home Sales - Darienite](https://news.google.com/rss/articles/CBMinwFBVV95cUxPaEZ0amg1dWc2Q3ZDVDVWYVpkYUZSbF9Gbm9EM2tCY0s3T0JmWFg0N1NrbDM1enBkRWJMd2VuZjYzdEI2cjkwT0JZTkhXZVVBel9WMEFmWEJiSU9WMHFZUlRkZmVmVTNMS0VrT2JUMWN0SlVuTndSNEtrclRMS05iZ3pzdHJ5RGt0SFZBZGtpQWhCWXlxYWlVRVJUYVRXQ3M?oc=5) · Darienite
- 2013-04-05 [Largest Sale This Week Is $2 Million on Morgan Point - Patch](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOHdkdXdWV2JHcTBuYVlURm1yLVRQMnhVdTlFbnRaQi1ObE9GRlBpNElrcjNIYklkaDRld1J0MzY1eWlaQ2ZWUlY3QTlPaGtBbFZVOGxHZkpoYzR0cXF6N0c4bTBjOWFFZTFIWWItS1UtTUNIbmFPMmtsUGpLRVdNcV9jT3BQUFlDRDgweFJkVFhvdw?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32360 (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/40.json (key "32360", 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.

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