Elizabethton Federal Savings Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Cost of funds edged down 0.08 percentage points between Q1 2026 and Q2 2026, to 1.79%. Elizabethton Federal Savings Bank has the 11th lowest net interest margin of the 109 banks headquartered in Tennessee, at 3.29% as of Q2 2026. Elizabethton Federal Savings Bank reported 3.29% on net interest margin for Q2 2026, 0.66 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.37% |
| Yield on loans | 5.29% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 1.87% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.29% |
| Yield to cost spread | 2.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $858K |
| Interest expense on deposits | $858K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.02% | 1.54% | 2.06% | 4.41% | 1.46% |
| Q4 2023 | 3.14% | 1.74% | 2.07% | 4.51% | 1.41% |
| Q1 2024 | 3.30% | 1.87% | 2.17% | 4.63% | 1.60% |
| Q2 2024 | 3.51% | 2.00% | 2.30% | 4.73% | 1.95% |
| Q3 2024 | 3.71% | 2.08% | 2.45% | 4.81% | 2.30% |
| Q4 2024 | 3.78% | 2.03% | 2.55% | 4.94% | 2.41% |
| Q1 2025 | 3.85% | 1.91% | 2.71% | 4.93% | 2.61% |
| Q2 2025 | 4.08% | 1.90% | 2.95% | 5.02% | 2.89% |
| Q3 2025 | 4.26% | 1.89% | 3.12% | 5.10% | 3.10% |
| Q4 2025 | 4.33% | 1.92% | 3.17% | 5.18% | 3.12% |
| Q1 2026 | 4.38% | 1.87% | 3.26% | 5.23% | 3.16% |
| Q2 2026 | 4.37% | 1.79% | 3.29% | 5.29% | 3.19% |
Elizabethton Federal Savings Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Elizabethton Federal Savings Bank, freeSource: Call Report Schedules RI and RC-K, 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)