Elizabethton Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Elizabethton Federal Savings Bank of Elizabethton, TN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.11% | 1.34% | -0.23% | 40th below |
| ROAE | 2.64% | 13.32% | -10.68% | 8th bottom |
| Net Interest Margin | 3.29% | 3.93% | -0.64% | 20th bottom |
| Efficiency Ratio | 50.15% | 61.14% | -10.99% | 80th top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.66% | 1.68% | -0.02% | 54th above |
| Yield on Earning Assets | 4.37% | 5.67% | -1.30% | 7th bottom |
| Cost of Funds | 1.79% | 1.88% | -0.09% | 51st above |
| Net Interest Spread | 2.50% | 3.32% | -0.82% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 75th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 43rd below |
| ACL / Total Loans | 0.84% | 1.28% | -0.44% | 13th bottom |
| Texas Ratio | 0.47% | 7.33% | -6.86% | 81st top |
| Provision / NCO | 0.00% | 1396.16% | -1396.16% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 42.27% | 12.13% | +30.14% | 99th top |
| Equity / Assets | 42.09% | 11.36% | +30.73% | 99th top |
| TCE / Tangible Assets | 42.09% | 11.08% | +31.01% | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.82% | 80.63% | +14.19% | 19th bottom |
| Core Deposit Ratio | 90.02% | 86.86% | +3.16% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.93% | 6.85% | -3.92% | 39th below |
| Loan Growth (Y/Y) | 9.08% | 7.90% | +1.18% | 70th above |
| Deposit Growth (Y/Y) | 3.04% | 6.29% | -3.25% | 43rd below |
See Elizabethton Federal Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Elizabethton Federal Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Elizabethton Federal Savings Bank profile, how to read a UBPR, or how this data updates.