🏦Bank Scorer

EASTERN SAVINGS BANK, FSB

HUNT VALLEY, MD · Supervised by OTS

Est. 1905FDIC #32,360
Needs to Improve Down

Current rating · Exam: November 2010

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 2.36%

Institution Profile

FDIC BankFind

Address

11350 Mccormick Rd, HUNT VALLEY, MD

County

Baltimore County

Established

May 29, 1905

Total Assets

$354M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

November 15, 2010

Exam Type

Intermediate Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 15 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$354M

Total Deposits

$225M

Net Loans

$270M

Net Income

$2M

ROA

2.36%

ROE

7.95%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate30.00%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$287M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246045%30.00%
20235657.14%17.86%
201916136.65%36.65%
201822040.91%40.45%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

9 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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