Side-by-side · Q2 2026 data
Decatur County Bank vs Elizabethton Federal Savings Bank
Metric by metric
| Measure | Decatur County Bank | Elizabethton Federal Savings Bank |
|---|---|---|
| TellerScore | 59 | 86 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 67 | 92 (stronger) |
| Earnings | 55 | 66 (stronger) |
| Funding & liquidity | 74 (stronger) | 66 |
| Problem-loan coverage | 79 | 99 (stronger) |
| Peer percentile | 17th | 90th |
| Total assets | $325.6M | $326.0M |
| Deposits / shares | $295.3M | $187.9M |
| Capital ratio | 9.03% | 42.27% (stronger) |
| Problem loans | 0.98% | 0.25% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.88% | 1.14% (stronger) |
| Loans ÷ deposits | 86.5% (stronger) | 94.0% |
| Uninsured deposits | 13.3% | 8.3% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.2% | — |
Elizabethton Federal Savings Bank has the higher TellerScore (86 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Decatur County Bank leads on 1 and Elizabethton Federal Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.