Eastern Savings Bank, FSB


11350 Mccormick Road
Hunt Valley, MD 21031
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD 0.15% 0.67% →
2-Year CD 0.20% 0.80% →
5-Year CD 0.40% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Eastern Savings Bank, FSB is an FDIC insured institution located in Hunt Valley, MD. It was founded in 1905 and has approximately $0.34 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 32360
Date Established 1905
Assets $ 340.02 million
Loans $ 234.54 million
Deposits $ 218.77 million
Capital $ 85.46 million

For a more detailed analysis of Eastern Savings Bank, FSB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 5, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.02% $1,000 - Learn More
Money Market
0.05% $75,000 - Learn More
6 Mo CD
0.07% $1,000 $99,999 Learn More
6 Mo CD
0.07% $100,000 - Learn More
12 Mo CD
0.15% $1,000 $99,999 Learn More
12 Mo CD
0.15% $100,000 - Learn More
18 Mo CD
0.15% $1,000 $99,999 Learn More
18 Mo CD
0.15% $100,000 - Learn More
24 Mo CD
0.20% $1,000 $99,999 Learn More
24 Mo CD
0.20% $100,000 - Learn More
30 Mo CD
0.20% $1,000 $99,999 Learn More
30 Mo CD
0.20% $100,000 - Learn More
36 Mo CD
0.25% $1,000 $99,999 Learn More
36 Mo CD
0.25% $100,000 - Learn More
48 Mo CD
0.35% $1,000 $99,999 Learn More
48 Mo CD
0.35% $100,000 - Learn More
60 Mo CD
0.40% $1,000 $99,999 Learn More
60 Mo CD
0.40% $100,000 - Learn More

Special: 18 Mo FIRA
0.15% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.02% $10,000 - Learn MoreShow Less

Loan Rates - December 5, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Eastern Savings Bank, FSB

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
GO Mortgage
NMLS ID: 1018
2.906% 2.875%
0.38 points
$995 fees
$1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Flagstar Bank-Heloc
Flagstar Bank-Heloc
See Table
4.990 %
$0 Learn More
More Info

Note to Eastern Savings Bank, FSB
To upload and update your bank's rates please register. It is free to register and add rates.


Eastern Savings Bank, FSB branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Eastern Savings Bank, FSB Locations

Climate Initiatives

Eastern Savings Bank, FSB is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Eastern Savings Bank, FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Eastern Savings Bank, FSB. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Eastern Savings Bank, FSB U.S. Bank Average
20.66% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Eastern Savings Bank, FSB had $11,810,000 in non-current loans and $6,474,000 in owned real estate. To cover these potential losses it had $85,463,000 in equity and $3,022,000 in loans loss reserves. That gives it a Texas Ratio of 20.66%.

Return on Equity
Eastern Savings Bank, FSB U.S. Bank Average
4.75% 11.29%

Eastern Savings Bank, FSB has a Return on Equity of 4.75% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Eastern Savings Bank, FSB U.S. Bank Average
25.14% 11.72%

Eastern Savings Bank, FSB has a Capitalization of 25.14% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Eastern Savings Bank, FSB Balance Sheet Analysis

As of June 30, 2021, Eastern Savings Bank, FSB had assets of $340,015,000, loans of $234,539,000, and deposits of $218,772,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 92.56 million
Interest-bearing balances $ 92.11 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 234.54 million
Loan loss allowance $ 3.02 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 6.47 million
Goodwill and other intangibles N.A.
All other assets $ 3.78 million
     Total Assets $ 254.55 million
Total deposits $ 218.77 million
      Interest-bearing deposits $ 211.33 million
      Deposits held in domestic offices $ 218.77 million
      % insured (estimated) 95.72%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 33.00 million
Subordinated debt N.A.
All other liabilities $ 2.78 million
      Total Liabilities $ 254.55 million
      Shareholders’ Equity $ 85.46 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 9.25 million
Total Interest Expense $ 0.85 million
Net interest income $ 8.41 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.17 million
Total non interest expense $ 6.96 million
Pre-tax Net Operating Income $ 2.03 million

Bank Loan Profile?

The top three loan types in Eastern Savings Bank, FSB’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Multifamily Mortgages.

Compared to other banks in Maryland, Eastern Savings Bank, FSB has a significantly higher percent of Multifamily Mortgages, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 56.86
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 10.89
Construction and Development Loans 14.29
Commercial Real Estate 11.40
Commercial and Industrial Loans 6.26
Farm Loans 0.00

Customer Reviews for Eastern Savings Bank, FSB

There are currently no comments for Eastern Savings Bank, FSB. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →