Total Assets
$319M
Total balance-sheet footings
FDIC Cert #29904 · Elizabethton, Tennessee · Est. 1937
Elizabethton Federal Savings Bank - FDIC Bank Health Profile
A community-scale look at Elizabethton Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $319M
- Total assets
- A
- Health grade · Excellent
- 1.07%
- Return on assets
- 42.4%
- Tier 1 capital
Data updated July 2026
The verdict
Elizabethton Federal Savings Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 42.36% Tier 1, profitable at 1.07% ROA, efficient (48% cost ratio).
- #2,407
- largest of 4,313 FDIC banks by assets
- 44th
- percentile by asset size, nationally
- 42.36%
- Tier 1 ratio - above the 10% well-capitalized line
- 48th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Elizabethton Federal Savings Bank's 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Elizabethton Federal Savings Bank's composite health score
Tier 1 Capital Ratio (42.36%) 40/40
Return on Assets (ROA) (1.07%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (48.25%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$183M
Customer-funded liabilities
Net Loans
$173M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Elizabethton Federal Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Elizabethton Federal Savings Bank's score of 95/100 falls in the highlighted band.
Elizabethton Federal Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Elizabethton Federal Savings Bank's $319M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
42.36% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
42.36%
Texas Ratio
0.00%
Equity Capital
$135M
Profitability metrics
Return on Assets (ROA)
48th percentile nationally
1.07%
Return on Equity (ROE)
2.55%
Efficiency Ratio
48.25%
What the numbers say about Elizabethton Federal Savings Bank
Elizabethton Federal Savings Bank is an FDIC-insured institution (Certificate #29904) headquartered in Elizabethton, Tennessee, established in 1937. It holds $319M in total assets - 2,407th of 4,313 FDIC-insured banks, $183M in customer deposits, and $173M in net loans. Capital-wise, the Tier 1 ratio sits at 42.36%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (95 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Elizabethton Federal Savings Bank sits 71st of 111 banks headquartered in Tennessee by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$13M
Interest Income
$456K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Elizabethton Federal Savings Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Elizabethton Federal Savings Bank (FDIC Cert #29904) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
Frequently asked questions
What is Elizabethton Federal Savings Bank's health grade?▼
Elizabethton Federal Savings Bank receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Elizabethton Federal Savings Bank?▼
Elizabethton Federal Savings Bank holds $319M in total assets and $183M in deposits, ranking 2,407th of 4,313 FDIC-insured banks by asset size. It is headquartered in Elizabethton, Tennessee.
Is my money safe at Elizabethton Federal Savings Bank?▼
Yes, deposits at Elizabethton Federal Savings Bank (Certificate #29904) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Elizabethton Federal Savings Bank's Tier 1 Capital Ratio?▼
Elizabethton Federal Savings Bank has a Tier 1 Capital Ratio of 42.36%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Elizabethton Federal Savings Bank?▼
Elizabethton Federal Savings Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Elizabethton Federal Savings Bank?▼
Elizabethton Federal Savings Bank has an Efficiency Ratio of 48.25%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Elizabethton Federal Savings Bank's profile as a depositor or analyst.
- Elizabethton Federal Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Elizabethton Federal Savings Bank against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.