Bank Comparison
Elizabethton Federal Savings Bank vs Traditions First Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 9
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Elizabethton Federal Savings Bank | Traditions First Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 42.49% | 10.06% |
| Equity / Assets | 42.05% | 9.25% |
Profitability
| Metric | Elizabethton Federal Savings Bank | Traditions First Bank |
|---|---|---|
| Return on Assets (ROA) | 1.18% | 0.87% |
| Return on Equity (ROE) | 2.78% | 9.29% |
| Net Interest Margin (NIM) | 3.26% | 3.73% |
| Yield on Earning Assets | 4.38% | 5.82% |
| Cost of Funds | 1.90% | 2.26% |
Asset quality
| Metric | Elizabethton Federal Savings Bank | Traditions First Bank |
|---|---|---|
| Texas Ratio | 0.16% | 0.09% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.07% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.86% | 0.71% |
Balance sheet
| Metric | Elizabethton Federal Savings Bank | Traditions First Bank |
|---|---|---|
| Total Assets | $324,184K | $339,382K |
| Total Deposits | $186,712K | $301,172K |
| Total Loans | $174,494K | $260,426K |
| Total Equity | $136,319K | $31,404K |
| Net Income (quarter) | $943 | $722 |
Liquidity & funding
| Metric | Elizabethton Federal Savings Bank | Traditions First Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 93.46% | 86.47% |
| Core Deposit Ratio | 90.15% | 83.33% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Elizabethton Federal Savings Bank | Traditions First Bank |
|---|---|---|
| Headquarters City | ELIZABETHTON | ERIN |
| Headquarters State | TN | TN |
| Asset Tier | Small | Small |
| Charter Class | 704307 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 30 | 48 |
| Established | June 15, 1937, midnight | Nov. 30, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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