Elizabethton Federal Savings Bank
Total assets
$326.0M
▲ +2.9% YoY
Deposits
$187.9M
▲ +3.0% YoY
Loans
$176.7M
▲ +9.2% YoY
Offices
5
ROA (annualized)
1.14%
peers 1.24%
ROE (annualized)
2.71%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.4 pts |
| Deposit growth (YoY) | +3.0% | +4.0% | -0.9 pts |
| Loan growth (YoY) | +9.2% | +5.6% | +3.6 pts |
| ROA | 1.14% | 1.24% | -0.1 pts |
| ROE | 2.7% | 11.9% | -9.2 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
Profile
- Established
- 1937
- Charter
- OCC
- Primary regulator
- OCC
- Specialization
- All Other Under 1 Billion
- Address
- 112 N Sycamore St, Elizabethton, TN, 37643
- County
- Carter
- Metro area
- Johnson City, TN
- Offices
- 5
- FDIC cert #
- 29904
- RSSD ID
- 17978
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $326.0M | $187.9M | $176.7M | $137.2M | $1.8M | 1.14% | 3.29% | 0.20% |
| Q1 2026 | $324.2M | $186.7M | $173.0M | $136.3M | $943K | 1.17% | 3.26% | 0.07% |
| Q4 2025 | $318.8M | $182.5M | $172.8M | $135.4M | $3.4M | 1.07% | 2.99% | 0.07% |
| Q3 2025 | $320.1M | $184.5M | $167.8M | $134.4M | $2.4M | 1.02% | 2.92% | 0.12% |
| Q2 2025 | $316.7M | $182.4M | $161.9M | $133.5M | $1.5M | 0.95% | 2.82% | 0.07% |
| Q1 2025 | $315.5M | $181.9M | $158.9M | $132.6M | $663K | 0.84% | 2.70% | 0.18% |
| Q4 2024 | $314.5M | $181.8M | $155.4M | $132.0M | $2.2M | 0.70% | 2.37% | 0.15% |
| Q3 2024 | $317.5M | $185.5M | $152.1M | $131.4M | $1.6M | 0.68% | 2.30% | 0.17% |
Loan mix (Q2 2026): real estate $176.9M · commercial $0 · consumer $1.3M · securities $102.0M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.96% | 19th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.6% | 62.9% | 14th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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