Elizabethton Federal Savings Bank

Elizabethton, TN

Rating Date

June 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
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Capital

Total
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Weiss Ratings	Elizabethton Federal Savings Bank Elizabethton, TN	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	8.80
Capitalization Index	10.00
Liquidity Index	1.50
Profitability Index	4.20
Stability Index	8.00

Company Info	Elizabethton Federal Savings Bank Elizabethton, TN	Click to Compare	Click to Compare	Click to Compare
FDIC Number	29904
Phone Number	(423) 543-5050
Website	www.elizfed.com/

Asset Quality	Elizabethton Federal Savings Bank Elizabethton, TN	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	1.17%
5-Year Asset Growth	1.48%
5-Year Charge-Offs to Average Loans	0.00%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.13%
Non-Performing Loans to Capital	0.12%
Non-Performing Loans to Loans	0.00%

Balance Sheet	Elizabethton Federal Savings Bank Elizabethton, TN	Click to Compare	Click to Compare	Click to Compare
Total Assets	315.47M
Total Deposits	181.88M

Capital and Reserves	Elizabethton Federal Savings Bank Elizabethton, TN	Click to Compare	Click to Compare	Click to Compare
Capital	132.64M
Leverage Ratio	42.26
Loan Loss Reserves to Loans	0.93%
Risk-Based Capital Ratio	--

Liquidity	Elizabethton Federal Savings Bank Elizabethton, TN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	25.24%
Liquidity Ratio	80.95%

Profitability	Elizabethton Federal Savings Bank Elizabethton, TN	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.72%
Net Income	663.00K
Net Interest Spread	2.71%
Operating Profit to Average Assets	1.31%
Overhead Efficiency Ratio	49.86%
Return on Assets	0.84%
Return on Equity	2.00%