Side-by-side · Q2 2026 data
Bank of Tennessee vs Elizabethton Federal Savings Bank
Metric by metric
| Measure | Bank of Tennessee | Elizabethton Federal Savings Bank |
|---|---|---|
| TellerScore | 67 | 86 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 85 | 92 (stronger) |
| Earnings | 92 (stronger) | 66 |
| Funding & liquidity | 27 | 66 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 44th | 90th |
| Total assets | $2.3B | $326.0M |
| Deposits / shares | $1.8B | $187.9M |
| Capital ratio | 9.63% | 42.27% (stronger) |
| Problem loans | 0.45% | 0.25% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.79% (stronger) | 1.14% |
| Loans ÷ deposits | 100.0% | 94.0% (stronger) |
| Uninsured deposits | 45.3% | 8.3% (stronger) |
| Offices | 21 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | — |
Elizabethton Federal Savings Bank has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Bank of Tennessee leads on 1 and Elizabethton Federal Savings Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.