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Elizabethton Federal Savings Bank

Elizabethton, TN · Cert 29904

State savings bank · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

98

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

88

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Elizabethton Federal Savings Bank

Elizabethton, TN · Cert 29904

State savings bank · OCC · 5 branches

Q2 2026

$326.0MAssets
$178.2MLoans
$187.9MDeposits
$137.2MEquity
Loan mix
99%RE $173.3M0%C&I $0.0M1%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $183.4M2%Noninterest $4.5MQ2 2025Q2 2026

NIM

3.30%Q2 ’243.85%Q2 ’254.24%Q2 ’26+27%+16%

Non-interest income vs. expense

1.27%Q2 ’241.42%Q2 ’251.60%Q2 ’26+12%+18%

Market Position · Johnson City, TN · 2026 SOD (annual) · 2.6% share · #9 of 19 inst. · $0.1B of $5.3B

9.7% Carter
13.8% Johnson
1.2% Washington

Executive Summary

  • Earnings: ROA of 1.14%, up 19 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.25% of loans (+24 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 42.27%, down 14 bps from a year ago.
  • Funding: loans stand at 94.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+43 bps YoY

Efficiency Ratio (YTD, annualized)

48.63%-37 bps YoY

Tier 1 Leverage Ratio

42.27%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.02%1.07%1.17%1.14%+19 bps
Return on Equity2.27%2.42%2.55%2.78%2.71%+44 bps
Net Interest Margin2.74%2.82%2.87%3.17%3.17%+43 bps
Efficiency Ratio49.00%48.11%48.25%47.03%48.63%-37 bps
Non-Interest Burden1.26%1.28%1.31%1.43%1.48%+22 bps
Growth
Asset Growth (YoY)0.86%0.79%1.38%2.76%2.93%+207 bps
Loan Growth (YoY)6.20%10.21%11.14%8.81%9.08%+288 bps
Deposit Growth (YoY)-0.18%-0.56%0.38%2.66%3.04%+323 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.10%0.00%0.00%0.25%+24 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.92%0.88%0.86%0.86%0.84%-8 bps
Allowance Coverage of NPLs747.5x9.3xn/a498.3x3.4x-744.1x
Capital
Tier 1 Leverage Ratio42.42%42.29%42.36%42.49%42.27%-14 bps
Total Risk-Based Capital42.42%42.29%42.36%42.49%42.27%-14 bps
Equity / Assets42.14%41.99%42.46%42.05%42.09%-5 bps
Liquidity & Funding
Loans / Deposits89.58%91.76%95.49%93.46%94.82%+524 bps
Liquid Assets / Assets43.35%41.30%39.62%37.50%36.41%-694 bps
CRE / Total Capitaln/a26.03%25.08%25.06%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Elizabethton Federal Savings Bank

Elizabethton, TN · Cert 29904 · Peer group: banks under $1B in assets operating in a single state (n=751-755)

State savings bank · OCC · 5 branches

Q2 2026

$326.0MAssets
$178.2MLoans
$187.9MDeposits
$137.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 99% of banks under $1B in assets operating in a single state (rank 5 of 755).
  • Widest gap: return on equity trails 89% of banks under $1B in assets operating in a single state (rank 675 of 755).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.13%

Rank 331 of 755

Net Interest Margin

3.17%

Rank 563 of 755

Efficiency Ratio

48.63%

Rank 95 of 755

Equity / Assets

42.09%

Rank 5 of 755

Non-interest income vs. expense

$0.4M$5.2MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 88% of banks under $1B in assets operating in a single state
Bank 48.63%Peer median 64.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.72%1.06%1.45%Beats 56%331 / 755
Return on Equity2.69%6.66%10.44%13.61%Beats 11%675 / 755
Net Interest Margin3.17%3.15%3.68%4.17%Beats 25%563 / 755
Efficiency Ratio48.63%55.75%64.78%75.61%Beats 88%95 / 755
Asset Quality
Nonperforming Loans / Loans0.25%0.09%0.42%1.05%Beats 62%287 / 751
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 68%243 / 751
Capital
Tier 1 Capital Ratio42.27%11.56%13.81%17.74%Beats 97%22 / 755
Total Risk-Based Capital Ratio42.27%11.72%14.46%18.53%Beats 97%24 / 755
Equity / Assets42.09%8.93%10.56%13.13%Beats 99%5 / 755
Liquidity & Funding
Loans / Deposits94.82%62.43%78.62%91.00%83rd pctl130 / 755
Loans / Assets54.65%54.70%67.27%76.55%25th pctl568 / 755
Brokered Deposits / Depositsn/aNot reported for this institution