BlastPoint's Banking Scorecard
Elizabethton Federal Savings Bank
Designations: ✓ Community bank ✓ Mutual
Elizabethton, TN
Elizabethton Federal Savings Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.48% below tier
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 20.72% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$318.8M
+1.4% YoY
-0.4% QoQ
|
+$101.3M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$172.8M
+11.2% YoY
+3.0% QoQ
|
+$33.6M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$182.5M
+0.4% YoY
-1.0% QoQ
|
-$1.1M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
1.07%
+53.9% YoY
+5.5% QoQ
|
-0.01% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
2.99%
+26.4% YoY
+2.4% QoQ
|
-0.86% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
48.25%
-15.3% YoY
+0.3% QoQ
|
-19.48% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
94.67%
+10.8% YoY
+4.1% QoQ
|
+20.14% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
1.67%
+20.4% YoY
-19.2% QoQ
|
-20.72% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-57.1% YoY
-43.1% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.14%
+8.9% YoY
+24.7% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (2)
Efficiency Ratio
metricEfficiency Ratio is in the top decile (lowest costs) of tier peers. Operating costs as a share of revenue are well below peers - operating leverage is a real advantage here.
Delinquency Rate
metricDelinquency Rate is in the top decile (lowest) of tier peers. Past-due loans as a share of the book are materially cleaner than peers - underwriting and portfolio management are working.
Concerns (1)
Non-Interest-Bearing Deposit Share
metricNon-Interest-Bearing Deposit Share is in the bottom decile of tier peers. The deposit base leans more on interest-bearing funding than at peers - margin more exposed to rate hikes.
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%