🏦Bank Scorer

EL DORADO SAVINGS BANK, F.S.B.

PLACERVILLE, CA · Supervised by OTS

Est. 1956FDIC #30,953
Outstanding Same

Current rating · Exam: October 2007

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.94%

Institution Profile

FDIC BankFind

Address

4040 El Dorado Rd, PLACERVILLE, CA

County

El Dorado County

Established

January 1, 1956

Total Assets

$2.5B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 1, 2007

Exam Type

Large Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 18 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

$2.5B

Total Deposits

$2.1B

Net Loans

$493M

Net Income

$6M

ROA

0.94%

ROE

7.04%

Risk-Based Capital

54.17%

Regulatory minimum: 8%

Peer Comparison

Community banks

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

Mortgage Denial Rate17.65%Peer avg: 9.91%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

35

Branch Deposits

$2.1B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411947.9%17.65%
202310962.39%12.84%
202247777.78%11.53%
202175183.75%8.52%
202086381.11%7.76%
201949672.78%12.70%
201860180.87%12.65%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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