Elizabethton Federal Savings Bank
Elizabethton, TN · Cert 29904 · Peer group: banks under $1B in assets operating in a single state (n=748-752)
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 752).
- Widest gap: return on equity trails 89% of banks under $1B in assets operating in a single state (rank 673 of 752).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.13%
Rank 337 of 752
Net Interest Margin
3.17%
Rank 569 of 752
Efficiency Ratio
48.63%
Rank 94 of 752
Equity / Assets
42.09%
Rank 5 of 752
Non-interest income vs. expense
Unfavorable gap of $4.8M · efficiency ratio beats 88% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.72% | 1.07% | 1.45% | Beats 55% | 337 / 752 | |
| Return on Equity | 2.69% | 6.78% | 10.58% | 13.65% | Beats 11% | 673 / 752 | |
| Net Interest Margin | 3.17% | 3.18% | 3.69% | 4.17% | Beats 24% | 569 / 752 | |
| Efficiency Ratio | 48.63% | 55.75% | 64.49% | 75.47% | Beats 88% | 94 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.09% | 0.42% | 1.03% | Beats 62% | 284 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 68% | 242 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 42.27% | 11.55% | 13.75% | 17.60% | Beats 97% | 21 / 752 | |
| Total Risk-Based Capital Ratio | 42.27% | 11.70% | 14.33% | 18.47% | Beats 97% | 23 / 752 | |
| Equity / Assets | 42.09% | 8.93% | 10.56% | 13.13% | Beats 99% | 5 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 94.82% | 62.23% | 78.64% | 91.26% | 83rd pctl | 131 / 752 | |
| Loans / Assets | 54.65% | 54.61% | 67.41% | 76.47% | 25th pctl | 563 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |