Elizabethton Federal Savings Bank
Also written as EFSB
BankRegReports is independent of Elizabethton Federal Savings Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Elizabethton Federal Savings Bank is an FDIC-insured savings institution headquartered in Elizabethton, TN, established in 1937 (FDIC certificate 29904), and it is supervised by the OCC. At Q2 2026 it reported total assets of $326.0M, up 2.9% from Q2 2025, the 70th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 42.27% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29904
- Headquarters
- Elizabethton, TN
- Established
- 1937
- Total assets, Q2 2026
- $326.0M
- Assets vs Q2 2025
- +2.9%
- Tier 1 leverage ratio, Q2 2026
- 42.27%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 264271280
- Latest call report
- Q2 2026, FFIEC 051 · Elizabethton Federal Savings Bank call report
- Asset rank in state
- 70th of 109 in Tennessee
Elizabethton Federal Savings Bank, based in Elizabethton, Tennessee, reported $326 million in assets at June 30, 2026, up 2.9% from a year earlier. It returns 2.6% a year on shareholders' equity, a small fraction of the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 42.27% of its assets with Tier 1 capital, 3.8 times the median of 10.99% for banks its size.
Loans are outrunning deposits: over the year loans rose 9.1% and deposits rose 3.0%. Its margin is thin by comparison: it keeps 3.29 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Elizabethton Federal Savings Bank reported a return on assets of 1.11%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 0.47%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Elizabethton Federal Savings Bank is the 70th largest of the 109 banks headquartered in Tennessee. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $326.0M, loans rose 2.1% and deposits rose 0.6%. 1-4 family residential loans made up 79.3% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 12.7%. The FDIC Summary of Deposits lists 5 offices for it, in Elizabethton, TN, Mountain City, TN and Johnson City, TN; its Elizabethton 2 offices book 52% of its branch deposits. Judged on its Q2 2026 call report, Elizabethton Federal Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 112 N Sycamore St, Elizabethton, TN 37643
- County
- Carter
- Metro Area
- Johnson City, TN
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 15, 1937
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $187.9M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $324.6M
- Average total loans
- $175.7M
- Average interest-bearing deposits
- $187.2M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29904
- Fed RSSD
- 17978
- Website
- www.elizfed.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Elizabethton Federal Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Elizabethton Federal Savings Bank's total assets ran between $311.8M (Q1 2024) and $326.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$326.0M total assets against $316.7M; $188.8M total liabilities against $183.2M.
$176.7M net loans and leases against $161.9M; $187.9M total deposits against $182.4M.
$102.0M securities against $116.9M; $39.2M cash and balances due against $30.3M.
$3.5M total interest income against $3.1M; $858K total interest expense against $873K.
$2.6M net interest income against $2.2M.
$94K total noninterest income against $142K; $1.4M total noninterest expense against $1.2M.
$0 provision for credit losses against $0.
$904K net income against $842K.
1.11% return on assets against 1.07%; 3.29% net interest margin against 2.95%.
42.27% tier 1 leverage ratio against 42.42%.
Inside the full Elizabethton Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeElizabethton Federal Savings Bank rankings
Its closest position to the top of a national ranking is 782 of 3,606, for efficiency ratio; its furthest is 2,978 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.71% (Q3 2024) to 1.24% (Q4 2025) and its net interest margin ran from 2.45% (Q3 2024) to 3.29% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 42.27% | 1.11% | 0.25% | 0.47% | 3.29% |
| Q1 2026 | 42.49% | 1.18% | 0.00% | 0.16% | 3.26% |
| Q4 2025 | 42.36% | 1.24% | 0.00% | 0.15% | 3.17% |
| Q3 2025 | 42.29% | 1.15% | 0.10% | 0.27% | 3.12% |
| Q2 2025 | 42.42% | 1.07% | 0.00% | 0.16% | 2.95% |
| Q1 2025 | 42.26% | 0.84% | 0.10% | 0.43% | 2.71% |
| Q4 2024 | 41.79% | 0.75% | 0.05% | 0.36% | 2.55% |
| Q3 2024 | 41.71% | 0.71% | 0.08% | 0.40% | 2.45% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Elizabethton Federal Savings Bank (main office) | Elizabethton , TN | 37643 | $66.7M |
| 404 South Shady Street Branch | Mountain City , TN | 37683 | $51.0M |
| 400 Bemberg Road Branch | Elizabethton , TN | 37643 | $30.4M |
| 304 Sunset Drive Branch | Johnson City , TN | 37604 | $24.9M |
| West State of Franklin Rd. Banch | Johnson City , TN | 37604 | $14.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 120 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Elizabethton Federal Savings Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Elizabethton Federal Savings Bank
What are Elizabethton Federal Savings Bank's total assets?
As of the Q2 2026 filing, Elizabethton Federal Savings Bank reported total assets of $326.0 million in its FFIEC call report.
Where is Elizabethton Federal Savings Bank headquartered?
It is headquartered in Elizabethton, TN, United States.
When was Elizabethton Federal Savings Bank founded?
It was established in 1937, per the FDIC institution directory.
Is Elizabethton Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29904). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Elizabethton Federal Savings Bank?
Elizabethton Federal Savings Bank's primary federal regulator is the OCC.
How many branches does Elizabethton Federal Savings Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Elizabethton Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 0.47% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Elizabethton Federal Savings Bank.
Get an email when Elizabethton Federal Savings Bank files its next call report, and benchmark it against any peer you choose.
Unlock Elizabethton Federal Savings Bank, freeFree account