Bank · FDIC insured
El Dorado Savings Bank
A $2.4B bank headquartered in Placerville, CA, with 35 branches in 2 states. Best rates: CDs 3.24% and savings 0.03% APY.
El Dorado Savings Bank Carrot Score
60
Carrot Score
Higher than 2% of U.S. banks and credit unions
#34 of 35 in Sacramento, CA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About El Dorado Savings Bank
- Headquarters
- 4040 El Dorado Rd, Placerville, CA 95667
- FDIC certificate
- 30953 ↗
Branches
35 branches in 2 states
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California
31 branches
Sacramento area · 19
- El Dorado Savings Bank, F.S.B.Main office4040 El Dorado Rd, Placerville, CA 95667Directions
- Cameron Park Branch4060 Cameron Park Dr, Cameron Park, CA 95682Directions
- Carmichael Branch4701 Manzanita Ave, Carmichael, CA 95608Directions
- Citrus Heights Branch7895 Lichen Dr, Citrus Heights, CA 95621Directions
- Diamond Springs Branch694 Pleasant Valley Rd, Diamond Springs, CA 95619Directions
- El Dorado Hills Branch3963 Park Dr, El Dorado Hills, CA 95762Directions
- Elk Grove Branch9003 Elk Grove Blvd, Elk Grove, CA 95624Directions
- Sheldon Branch8973 Grant Line Rd, Elk Grove, CA 95624Directions
- Folsom Branch300 E Bidwell St, Folsom, CA 95630Directions
- Georgetown Branch6310 Hwy 193, Georgetown, CA 95634Directions
- Downtown Placerville Branch247 Main St, Placerville, CA 95667Directions
- West Placerville Branch2888 Ray Lawyer Dr, Placerville, CA 95667Directions
- Pollock Pines Branch6462 Pony Express Trl, Pollock Pines, CA 95726Directions
- Rancho Murieta Branch7185 Murieta Dr, Rancho Murieta, CA 95683Directions
- 48th & J Street Branch4768 J St, Sacramento, CA 95819Directions
- 55th & Folsom Blvd Branch5500 Folsom Blvd, Sacramento, CA 95819Directions
- Al Tahoe Branch1036 Al Tahoe Blvd, South Lake Tahoe, CA 96150Directions
- Tahoe Valley Y Branch942 Emerald Bay Rd, South Lake Tahoe, CA 96150Directions
- Tahoe City Branch740 N Lake Blvd, Tahoe City, CA 96145Directions
Truckee area · 2
- Lake Of The Pines Branch10130 Woodridge Dr, Auburn, CA 95602Directions
- Grass Valley Branch1751 E Main St, Grass Valley, CA 95945Directions
Bishop area · 2
- Bishop Branch515 N Main St, Bishop, CA 93514Directions
- Lone Pine Branch400 N Main, Lone Pine, CA 93545Directions
Arnold area · 1
- Arnold Branch1227 Oak Ct, Arnold, CA 95223Directions
Jackson area · 1
- Jackson Branch135 Main St, Jackson, CA 95642Directions
Murphys area · 1
- Murphys Branch245 Tom Bell Rd, Murphys, CA 95247Directions
Pine Grove area · 1
- Pine Grove Branch20146 Highway 88, Pine Grove, CA 95665Directions
Plymouth area · 1
- Plymouth Branch18726 State Highway 49, Plymouth, CA 95669Directions
San Andreas area · 1
- San Andreas Branch206 E Saint Charles St, San Andreas, CA 95249Directions
Sutter Creek area · 1
- Sutter Creek Branch460 State Highway 49, Sutter Creek, CA 95685Directions
Sonora area · 1
- Twain Harte Branch22900 Twain Harte Dr, Twain Harte, CA 95383Directions
Nevada
4 branches
Gardnerville Ranchos area · 3
- Carson City Branch3788 Us Highway 395 S, Carson City, NV 89705Directions
- Gardnerville Branch1517 Us 395 N, Gardnerville, NV 89410Directions
- Stateline Branch276 Kingsbury Grade Ste 1000, Stateline, NV 89449Directions
Reno area · 1
- Sparks Branch5235 Vista Blvd, Sparks, NV 89436Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.43% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.28% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.93% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $24 | $88 | — |
- CapitalLeverage ratio13.43%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.28%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.93%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$24Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of El Dorado Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.