Headquartered in Elizabethton, Tennessee, Elizabethton Federal Savings Bank is a savings bank with $326.0M in total assets and $187.9M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1937.
Based on its Q2 2026 filing, Elizabethton Federal Savings Bank scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 9th. Its strongest component is capital cushion (100/100; 42.27%), and its lowest is funding & liquidity (66/100; 94% loans-to-deposits, 8% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 86).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 85 |
| Q4 2024 | 85 |
| Q1 2025 | 86 |
| Q2 2025 | 87 |
| Q3 2025 | 87 |
| Q4 2025 | 88 |
| Q1 2026 | 89 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 41.92% |
| Q3 2024 | 41.71% |
| Q4 2024 | 41.79% |
| Q1 2025 | 42.26% |
| Q2 2025 | 42.42% |
| Q3 2025 | 42.29% |
| Q4 2025 | 42.36% |
| Q1 2026 | 42.49% |
| Q2 2026 | 42.27% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.68% |
| Q4 2024 | 0.70% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.95% |
| Q3 2025 | 1.02% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.17% |
| Q2 2026 | 1.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $326.0M | 42.27% | 0.25% | 1.14% | 94.0% |
| Q1 2026 | 89 | $324.2M | 42.49% | 0.00% | 1.17% | 92.7% |
| Q4 2025 | 88 | $318.8M | 42.36% | 0.00% | 1.07% | 94.7% |
| Q3 2025 | 87 | $320.1M | 42.29% | 0.10% | 1.02% | 90.9% |
| Q2 2025 | 87 | $316.7M | 42.42% | 0.00% | 0.95% | 88.8% |
| Q1 2025 | 86 | $315.5M | 42.26% | 0.10% | 0.84% | 87.4% |
| Q4 2024 | 85 | $314.5M | 41.79% | 0.05% | 0.70% | 85.5% |
| Q3 2024 | 85 | $317.5M | 41.71% | 0.08% | 0.68% | 82.0% |
| Q2 2024 | 84 | $314.0M | 41.92% | 0.17% | 0.66% | 83.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Decatur County BankBank Decaturville, TN | 59 out of 100, Moderate | $325.6M | 9.0% | 0.98% | vs |
| People's Bank and Trust Company of Pickett CountyBank Byrdstown, TN | 70 out of 100, Strong | $319.0M | 10.8% | 0.73% | vs |
| TnbankBank Oak Ridge, TN | 58 out of 100, Moderate | $318.1M | 10.6% | 1.34% | vs |
| Traditions First BankBank Erin, TN | 70 out of 100, Strong | $336.6M | 9.9% | 0.01% | vs |
| Citizens Community BankBank Winchester, TN | 90 out of 100, Very strong | $352.6M | 14.6% | 0.38% | vs |
| Bank of CrockettBank Bells, TN | 76 out of 100, Strong | $299.1M | 10.5% | 0.29% | vs |
Deposit insurance
Is my money safe at Elizabethton Federal Savings Bank?
Yes. Elizabethton Federal Savings Bank is an FDIC-insured institution (FDIC certificate #29904). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.3% of deposits ($15.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 42.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Elizabethton Federal Savings Bank lists 5 offices in 3 cities. Most locations:
- Elizabethton, TN (2)
- Johnson City, TN (2)
- Mountain City, TN (1)
Identity & history
Profile
- Legal name
- Elizabethton Federal Savings Bank
- Former names
- Elizabethton Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 29904
- RSSD ID
- 17978
- Primary regulator
- OCC
- Established
- June 15, 1937
- Headquarters
- 112 N Sycamore St, Elizabethton, TN 37643
- Website
- www.elizfed.com
- Employees
- 29
Quick answers
Elizabethton Federal Savings Bank: common questions
Is Elizabethton Federal Savings Bank FDIC insured?
Yes. Elizabethton Federal Savings Bank is an FDIC-insured institution (FDIC certificate #29904). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Elizabethton Federal Savings Bank's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Elizabethton Federal Savings Bank ever failed?
There is no failure record for FDIC certificate #29904 in the FDIC failed bank list.
How many branches does Elizabethton Federal Savings Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Elizabethton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Kingsport Press Credit UnionCredit union Kingsport, TN | 92 out of 100, Very strong | $95.6M | 16.4% | 0.40% | vs |
| Eastman Credit UnionCredit union Kingsport, TN | 91 out of 100, Very strong | $10.2B | 14.9% | 0.31% | vs |
| Farmers and Miners BankBank Pennington Gap, VA | 89 out of 100, Very strong | $193.2M | 13.3% | 0.32% | vs |
| Happy Valley Credit UnionCredit union Elizabethton, TN | 86 out of 100, Very strong | $36.9M | 18.3% | 0.82% | vs |
| Clinchfield Federal Credit UnionCredit union Erwin, TN | 83 out of 100, Strong | $140.3M | 12.5% | 0.25% | vs |