Eastside Commercial Bank


895 Iris Drive
Conyers, GA 30013
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Eastside Commercial Bank is an FDIC insured institution located in Conyers, GA. It was founded in 2005 and has approximately $0.17 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58125
Date Established 2005
Assets $ 173.95 million
Loans $ 105.50 million
Deposits $ 166.88 million
Capital $ 1.64 million

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

Deposit Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Eastside Commercial Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.798% 2.750%
-0.38 points
$1,562 fees
$1,021 Learn More
CIT Bank
NMLS ID: 541760
2.788% 2.725%
0.88 points
$2,042 fees
$1,018 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to Eastside Commercial Bank
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Financial Details

Eastside Commercial Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Eastside Commercial Bank. 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
Eastside Commercial Bank U.S. Bank Average
618.06% 5.29%

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 March 31, 2021, Eastside Commercial Bank had $11,439,000 in non-current loans and $12,888,000 in owned real estate. To cover these potential losses it had $1,636,000 in equity and $2,300,000 in loans loss reserves. That gives it a Texas Ratio of 618.06%.

Return on Equity
Eastside Commercial Bank U.S. Bank Average
-142.78% 11.43%

Eastside Commercial Bank has a Return on Equity of -142.78% versus the BestCashCow average of 11.43%. 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.

Eastside Commercial Bank U.S. Bank Average
0.94% 11.51%

Eastside Commercial Bank has a Capitalization of 0.94% versus the BestCashCow average of 11.51. 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.

Eastside Commercial Bank Balance Sheet Analysis

As of June 30, 2014, Eastside Commercial Bank had assets of $173,946,000, loans of $105,499,000, and deposits of $166,875,000. 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

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 105.50 million
Loan loss allowance $ 2.30 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 12.89 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 166.88 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 173.95 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Eastside Commercial Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Georgia, Eastside Commercial Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate 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 9.22
Credit Card Loans 0.00
Consumer Auto Loans 0.21
Small Business Loans 16.77
Construction and Development Loans 11.88
Commercial Real Estate 64.36
Commercial and Industrial Loans 12.41
Farm Loans 0.00

Frequently Asked Questions About Eastside Commercial Bank

Branches and Savings

Is Eastside Commercial Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58125.

Why does Eastside Commercial Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Eastside Commercial Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Eastside Commercial Bank a commercial bank?


Where are Eastside Commercial Bank locations?

See branch locations nearby.

Is Eastside Commercial Bank open on Saturdays?

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What time does Eastside Commercial Bank close?

Are Eastside Commercial Bank ATMs Open 24/7?

Do Eastside Commercial Bank ATMs accept cash deposits?

Can Eastside Commercial Bank customers use other ATMs?

Do Eastside Commercial Bank branches have notaries?

Will Eastside Commercial Bank notarize my document?

What address for Eastside Commercial Bank should I put for incoming ACH transfers?

Will the Eastside Commercial Bank branch print checks?

Do Eastside Commercial Bank checks expire?

Does Eastside Commercial Bank require US citizenship to open account?

Can Eastside Commercial Bank close my account?

Does Eastside Commercial Bank Report to credit bureaus?

Does Eastside Commercial Bank Use Equifax?

What is Eastside Commercial Bank's ACH Routing Number?

What is Eastside Commercial Bank's SWIFT code?


Does Eastside Commercial Bank offer mortgages?

Compare mortgage rates here.

Does Eastside Commercial Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Eastside Commercial Bank offer personal loans?

Compare personal loan rates here.

Does Eastside Commercial Bank offer student loans?

Will Eastside Commercial Bank cash a check?

Will Eastside Commercial Bank redeem a savings bond?

Does Eastside Commercial Bank cash savings bonds?

Will Eastside Commercial Bank cash money orders?

Can Eastside Commercial Bank issue a money order?

Does Eastside Commercial Bank do currency exchange?

Background on The Bank

Who owns Eastside Commercial Bank?

How long has Eastside Commercial Bank been around?

Can Eastside Commercial Bank transfer to other banks?

Does Eastside Commercial Bank have quick pay?

Does Eastside Commercial Bank accept rolled coins?

Will Eastside Commercial Bank accept loose change?

Where is Eastside Commercial Bank headquarters?

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