ELIZABETHTON FEDERAL SAVINGS BANK

ELIZABETHTON, TN | Small | Est. June 15, 1937, midnight | FDIC #29904 | RSSD #17978 | OCC
Latest Report: 2025-12-31

ELIZABETHTON FEDERAL SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in ELIZABETHTON, TN, established in June 15, 1937, midnight. As of 2025-12-31, the bank reported total assets of $319M and total deposits of $183M. Profitability stands at 1.24% ROA and 2.93% ROE, with a net interest margin of 3.35%. The bank's CET1 capital ratio is 42.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.15%. FDIC Certificate #29904.

Assets

$319M

Deposits

$183M

Loans

$174M

Equity

$135M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 2.93%
Net Interest Margin (NIM) 3.35%
Yield on Assets 4.58%
Cost of Funds 1.96%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.15%
NPA Ratio 0.07%
ACL / Loans 0.86%

Capital & Liquidity

CET1 Ratio 42.46%
Tier 1 Capital 42.46%
Total Capital Ratio 44.59%
Leverage Ratio 42.36%
Loan-to-Deposit 95.49%

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