Elizabethton Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.36 percentage points higher than in Q1 2026, at 94.82%. Within Tennessee, Elizabethton Federal Savings Bank is 54th of 109 on return on assets, 1.11% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Elizabethton Federal Savings Bank sits 0.14 points lower, at 1.11% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 42.27% |
| Equity capital to assets | 42.09% |
| Tangible equity to tangible assets | 42.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.47% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 2.64% |
| Net interest margin | 3.29% |
| Efficiency ratio | 50.15% |
| Yield on earning assets | 4.37% |
| Cost of funds | 1.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.82% |
| Core deposits to total deposits | 90.02% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 57.64% |
| Securities to assets | 31.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 40.48% | 0.49% | 2.06% | 0.00% | 0.00% |
| Q4 2023 | 41.09% | 0.55% | 2.07% | 0.00% | 0.00% |
| Q1 2024 | 41.89% | 0.69% | 2.17% | 0.00% | 0.00% |
| Q2 2024 | 41.92% | 0.64% | 2.30% | 0.00% | 0.00% |
| Q3 2024 | 41.71% | 0.71% | 2.45% | 0.00% | 0.01% |
| Q4 2024 | 41.79% | 0.75% | 2.55% | 0.00% | -0.00% |
| Q1 2025 | 42.26% | 0.84% | 2.71% | 0.00% | 0.00% |
| Q2 2025 | 42.42% | 1.07% | 2.95% | 0.00% | 0.00% |
| Q3 2025 | 42.29% | 1.15% | 3.12% | 0.00% | 0.00% |
| Q4 2025 | 42.36% | 1.24% | 3.17% | 0.00% | 0.00% |
| Q1 2026 | 42.49% | 1.18% | 3.26% | 0.00% | 0.00% |
| Q2 2026 | 42.27% | 1.11% | 3.29% | 0.00% | 0.01% |
Elizabethton Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Elizabethton Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)