Elizabethton Federal Savings Bank
Elizabethton, TN
IDRSSD: 17978
Total Assets
$320.05M
Latest filing
Total Deposits
$184.46M
Latest filing
Net Interest Margin
3.12%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Elizabethton Federal Savings Bank
112 N Sycamore St
Elizabethton, TN 37643
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/15/1937FDIC Certificate 42738
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Elizabethton Federal Savings Bank (Main) | 112 N Sycamore St | Elizabethton, TN |
| 404 SOUTH SHADY STREET BRANCH | 404 South Shadt Street | Mountain City, TN |
| 400 BEMBERG ROAD BRANCH | 400 Bemberg Rd | Elizabethton, TN |
| 304 SUNSET DRIVE BRANCH | 304 Sunset Dr | Johnson City, TN |
| WEST STATE OF FRANKLIN RD. BANCH | 1190 W State Of Franklin Rd | Johnson City, TN |
Showing 4 of 4
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 06/15/1937 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 37643 |
| State and County Number | 47019 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Johnson City, TN |
Operational Info
| Number of Employees | 31 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.elizfed.com |
| Data Updated | 11/14/2025 |
| CERT | 29904 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $320.05M |
| Total Deposits | $184.46M |
| Total Liabilities | $185.66M |
| Total Equity Capital | $134.39M |
| Net Income | $913.00k |
| Net Loans and Leases | $167.76M |
| Assets Per Employee ($Millions) | $10.67M |
| Bank Premises and Fixed Assets | $5.27M |
| Cash and Balances due from Depository Institutions | $25.32M |
| Deposits Held in Domestic Offices | $184.46M |
Key Performance Ratios
| Return on Assets (ROA) | 1.15% |
| Return on Equity (ROE) | 2.73% |
| Net Interest Margin | 3.12% |
| Efficiency Ratio | 46.5% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 41.99% |
| Earning Assets to total Assets | 96.8% |
Income and Expense
| Total Interest Income | $3.29M |
| Total Noninterest Income | $119.00k |
| Total Interest Expense | $882.00k |
| Total Noninterest Expense | $1.17M |
| Net Interest Income | $2.41M |
| Pre-tax Net Operating Income | $1.35M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $211.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.86M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.21M |
| Total Liabilities and Capital | $320.05M |
Securities
| Securities | $109.19M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $109.19M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Elizabethton Federal Savings Bank?
$320.05M as of the latest filing.
How much are Elizabethton Federal Savings Bank's total deposits?
$184.46M in total deposits.
Where is Elizabethton Federal Savings Bank located?
Elizabethton, TN.
What is the Net Interest Margin?
3.12%.
How many domestic offices does it operate?
5.
When was it established?
06/15/1937.
What is the Return on Assets (ROA)?
1.15%.
How much are total loans and leases?
$167.76M (latest filing).
What is the total interest income (latest filing)?
$3.29M.