Elizabethton Federal Savings Bank: how it compares with its peers
Against 50 TN banks with half to twice its assets, Elizabethton Federal Savings Bank's strongest measure in Q2 2026 is assets per employee ($11.2M vs. a $6.3M peer median). Its weakest relative measure is net interest margin (3.29% vs. 4.06%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.14% | 1.04% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.29% | 4.06% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.63% | 67.47% | Top third Ahead of 90% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.2M | $6.3M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.03% | 83.04% | Context |
What it means for lending operations
Its efficiency ratio of 48.63% is better than the 67.47% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Decatur County Bank Decaturville, TN · $326M
- People's Bank and Trust Company of Pickett County Byrdstown, TN · $319M
- TNBANK Oak Ridge, TN · $318M
- Traditions First Bank Erin, TN · $337M
- Citizens Community Bank Winchester, TN · $353M
- Bank of Crockett Bells, TN · $299M
Questions about Elizabethton Federal Savings Bank
How big is Elizabethton Federal Savings Bank?
Elizabethton Federal Savings Bank, established in 1937, is headquartered in Elizabethton, TN. It reported $326M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Elizabethton Federal Savings Bank's return on assets?
1.14% annualized in Q2 2026, against a 1.04% median for 50 TN banks with half to twice its assets, ahead of 56% of them.
What is Elizabethton Federal Savings Bank's efficiency ratio?
48.63% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 67.47%, and lower is better.
Is Elizabethton Federal Savings Bank growing its loans?
Net loans grew 9.2% over the year to Q2 2026, while deposits grew 3.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.