Side-by-side · Q2 2026 data
Farmers State Bank vs Elizabethton Federal Savings Bank
Metric by metric
| Measure | Farmers State Bank | Elizabethton Federal Savings Bank |
|---|---|---|
| TellerScore | 73 | 86 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 72 | 92 (stronger) |
| Earnings | 51 | 66 (stronger) |
| Funding & liquidity | 85 (stronger) | 66 |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 53rd | 90th |
| Total assets | $232.6M | $326.0M |
| Deposits / shares | $194.3M | $187.9M |
| Capital ratio | 12.63% | 42.27% (stronger) |
| Problem loans | 0.83% | 0.25% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.77% | 1.14% (stronger) |
| Loans ÷ deposits | 75.1% (stronger) | 94.0% |
| Uninsured deposits | 9.2% | 8.3% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Elizabethton Federal Savings Bank has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers State 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.
Where both have branches
- Mountain City, TN