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Elizabethton Federal Savings Bank
Elizabethton, TN · FDIC Certificate #29904 · Chartered 06/1
Total assets
$326.01M
Total deposits
$187.91M
Total equity
$137.22M
Net loans
$176.69M
Branches (offices)
5
Net income (YTD)
$1.85M
Rank: #2,353 of 4,213 U.S. banks by assets · #70 of 109 in Tennessee. Assets changed 2.9% and deposits 3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.14% |
| Return on equity | 2.71% |
| Net interest margin (YTD) | 3.29% |
| Equity to assets | 42.09% |
| Tier 1 leverage ratio | 42.27% |
| Uninsured deposits (share of deposits) | 8.3% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 94.0% |
| Real estate loans (share of loans) | 100.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $176.85M | 100.1% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $1.33M | 0.8% | |
| Construction & development | $22.70M | 12.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $328.82M | $194.67M | $953.00K | $126.86M |
| Jun 2023 | $319.17M | $190.06M | $955.00K | $128.96M |
| Jun 2024 | $314.02M | $182.69M | $1.04M | $130.82M |
| Jun 2025 | $316.73M | $182.36M | $1.50M | $133.48M |
| Jun 2026 | $326.01M | $187.91M | $1.85M | $137.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $187.91M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $187.91M.
Similar-sized banks
Pcsb Bank ($326.08M) · Western Bank ($325.89M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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