Compared with California
7 of 14
compared fees are above the median.
5 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
68th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the California median
of 14 compared; 5 below, 2 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for El Dorado Savings Bank, F.S.B. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | El Dorado Savings Bank, F.S.B.'s published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.0% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (68th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $543K in Q2 2026, 3.4% below the same quarter a year earlier ($562K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 14 compared published fees sit above the California median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with California medians for fees published by banks and credit unions.
Monthly Maintenance
Electronic Checking $4 · Regular Checking $8 · Account View $9 to $15
Compared at $8.50, the middle of its prices
Non-Network ATM
Stop Payment
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 3.6% from Q3 2025 to Q2 2026, to $543K. Its share of revenue, 3.0%, is above the 2.2% median for banks with $1B to $10B in assets.
$543K
El Dorado Savings Bank, F.S.B.Median
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $4 to $15; we compare the midpoint.
El Dorado Savings Bank, F.S.B. · $2.4B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| El Dorado Savings Bank, F.S.B.(this institution) | Placerville, CA | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Anderson Brothers Bank | Mullins, SC | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank Iowa | West Des Moines, IA | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Coastal States Bank | Hilton Head Island, SC | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cogent Bank | Orlando, FL | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Commercial Bank | Harrogate, TN | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community National Bank & Trust | Chanute, KS | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Trust Company of Chambersburg | Chambersburg, PA | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank of the Lake | Osage Beach, MO | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First County Bank | Stamford, CT | $2.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First United Bank | Dimmitt, TX | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Guaranty Bank | Springfield, MO | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Intercredit Bank, National Association | Coral Gables, FL | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| John Marshall Bank | Reston, VA | $2.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Luana Savings Bank | Luana, IA | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Omb Bank | Springfield, MO | $2.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Peoples Bank | Bellingham, WA | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pioneer Bank, National Association | Albany, NY | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| QNB Bank | Quakertown, PA | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| South Shore Bank | South Weymouth, MA | $2.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas First Bank | Texas City, TX | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| TexasBank | Brownwood, TX | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Bank of Commerce | Ammon, ID | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Ephrata National Bank | Ephrata, PA | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Traditional Bank, Inc. | Mount Sterling, KY | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Bank of Iowa | Ida Grove, IA | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8.50, the middle of its four prices, against a peer median of $9.13 among 18 publishing peers.
Its four checking prices are $4, $8, $9 and $15.
$8.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for El Dorado Savings Bank, F.S.B. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $543K | −$10K | −1.8% |
| Q1 2026 | $553K | −$23K | −4.0% |
| Q4 2025 | $576K | +$13K | +2.3% |
| Q3 2025 | $563K | +$1K | +0.2% |
| Q2 2025 | $562K | −$5K | −0.9% |
| Q1 2025 | $567K | −$34K | −5.7% |
| Q4 2024 | $601K | +$10K | +1.7% |
| Q3 2024 | $591K | +$14K | +2.4% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, El Dorado Savings Bank, F.S.B. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to El Dorado Savings Bank, F.S.B. by share.
Amounts from El Dorado Savings Bank, F.S.B.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month · waived with monthly Direct Deposit
per month · waived with monthly Direct Deposit or for Seniors age 55 or older
per month · waived with monthly Direct Deposit or for Seniors age 55 or older
per month
per hour
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | waived with monthly Direct Deposit |
| Monthly Maintenance | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per month | waived with monthly Direct Deposit or for Seniors age 55 or older |
| Monthly Maintenance | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | waived with monthly Direct Deposit or for Seniors age 55 or older |
| Escheat Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity fee | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Value Checking Inactivity Fee cccceuvuennn | $4Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation cccceceevvivcicciincee | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Preauthorized Savings Transfer to Cover Overdraft | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Transfer and Inquiries ccocouvvvvvnnceee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Withdrawal ccccoeeveieieneneneeneneeeee (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM/VISA Check Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Cashier's Checks-CUStOMET worn | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Orders (Original or renewal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing (audience not stated, treated as personal) | 1.5% | Not stated | None |
| Copy of Cancelled Checks ccovvvviininicnen | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Paper statement with digital check images on electronic checking account cccuvevcuciiccen | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Web Bill Payment Service-Consumers | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance EDSB VISA Check Card | $2.50Inside the U.S. middle 50% ($2 to $10 nationally) | per item | None |
| Deposited Items Returned (charge back) | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Locksmith fee: Legal Document Processing ccccocveueeeneeee | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Special Statement Request ccccovvvevniivccnnc | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 31, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where El Dorado Savings Bank, F.S.B. operates, and what regulators and customers have on file.
Branch footprint
35 offices in 2 states, $2.1B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 19 | $1.3B | |
| Outside a metro area | 15 | $810.6M |
| 1 | $17.6M |
Sacramento-Roseville-Folsom, CA
1.3% of bank deposits, #9 of 37, down 0.7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 40.9% |
| Wells Fargo Bank, National Association | 13.9% |
| Bank of America, National Association | 10.3% |
| JPMorgan Chase Bank, National Association | 10.2% |
| River City Bank | 5.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Sacramento-Roseville-Folsom, CA, El Dorado Savings Bank, F.S.B. holds 1.3% of bank deposits, #9 of 37, with 19 offices.
410 offices of 59 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 37 institutions shown. $96.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.3% share, 19 offices, #9 of 37
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
110 offices of 22 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC
The OCC has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.