Elizabethton Federal Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to average assets edged down 0.22 percentage points between Q1 2026 and Q2 2026, to 42.27%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 42.27% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $137.2M |
| Tier 1 capital | $137.2M |
| Total risk-based capital | — |
| Total equity capital | $137.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 42.09% |
| Tangible equity to tangible assets | 42.09% |
| Equity capital to average assets | 42.27% |
| Internal capital growth rate | 2.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $137.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 40.48% | 40.61% | 40.61% |
| Q4 2023 | 41.09% | 41.49% | 41.49% |
| Q1 2024 | 41.89% | 41.79% | 41.79% |
| Q2 2024 | 41.92% | 41.66% | 41.66% |
| Q3 2024 | 41.71% | 41.37% | 41.37% |
| Q4 2024 | 41.79% | 41.97% | 41.97% |
| Q1 2025 | 42.26% | 42.04% | 42.04% |
| Q2 2025 | 42.42% | 42.14% | 42.14% |
| Q3 2025 | 42.29% | 41.99% | 41.99% |
| Q4 2025 | 42.36% | 42.46% | 42.46% |
| Q1 2026 | 42.49% | 42.05% | 42.05% |
| Q2 2026 | 42.27% | 42.09% | 42.09% |
Elizabethton Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Elizabethton Federal Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Elizabethton Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29904) · FFIEC NIC profile (RSSD 17978)