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Eastern Savings Bank, FSB
Hunt Valley, MD · FDIC Certificate #32360 · Chartered 05/2
Total assets
$336.41M
Total deposits
$207.97M
Total equity
$108.60M
Net loans
$241.58M
Branches (offices)
3
Net income (YTD)
$4.01M
Rank: #2,306 of 4,213 U.S. banks by assets · #23 of 27 in Maryland. Assets changed -18.9% and deposits -27.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.27% |
| Return on equity | 7.46% |
| Net interest margin (YTD) | 5.69% |
| Equity to assets | 32.28% |
| Tier 1 leverage ratio | 30.96% |
| Uninsured deposits (share of deposits) | 20.9% |
| Noncurrent loans (share of loans) | 6.73% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 116.2% |
| Real estate loans (share of loans) | 101.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $244.55M | 101.2% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $58.32M | 24.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $339.35M | $219.31M | $2.71M | $90.52M |
| Jun 2023 | $355.79M | $236.04M | $2.16M | $92.03M |
| Jun 2024 | $388.03M | $259.58M | $2.85M | $97.67M |
| Jun 2025 | $414.95M | $287.39M | $4.21M | $99.43M |
| Jun 2026 | $336.41M | $207.97M | $4.01M | $108.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $207.97M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $207.97M.
Similar-sized banks
Traditions First Bank ($336.57M) · Farmers And Merchants State Bank Of Pierz ($336.23M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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