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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Elizabethton, TN · FDIC certificate #29904
ELIZABETHTON FSB is an FDIC-insured institution based in Elizabethton, TN (FDIC certificate #29904). In its Q3 2026 Call Report it reported total assets of $324M, total deposits of $185M and net loans of $182M. Its primary federal regulator is OCC.
Plain-language readout
ELIZABETHTON FSB has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $326M in Q2 2026 and were lowest at $324M in Q1 2026.
Total deposits were highest at $188M in Q2 2026 and lowest at $185M in Q3 2026.
Over the whole period total assets rose 0.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $324M | $185M | $182M | 1.21% | 2.86% | 3.35% |
| Q2 2026 | $326M | $188M | $177M | 1.14% | 2.71% | 3.29% |
| Q1 2026 | $324M | $187M | $173M | 1.17% | 2.78% | 3.26% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $18.9M | $21.1M | -$2.2M | -10.5% |
| Federal funds sold | $20.3M | $19.4M | +$878K | +4.5% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $102.0M | $102.8M | -$731K | -0.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $176.7M | $173.0M | +$3.7M | +2.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.2M | $5.2M | +$27K | +0.5% |
| Other real estate owned | $211K | $211K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.7M | $2.5M | +$181K | +7.3% |
| Total assets | $326.0M | $324.2M | +$1.8M | +0.6% |
| Liabilities | ||||
| Total deposits | $187.9M | $186.7M | +$1.2M | +0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $877K | $1.2M | -$276K | -23.9% |
| Total liabilities | $188.8M | $187.9M | +$924K | +0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $137.2M | $136.3M | +$904K | +0.7% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $137.2M | $136.3M | +$904K | +0.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $648K | $214K | +$434K | +202.8% |
| Adjusted nonperforming assets | $648K | $214K | +$434K | +202.8% |
| Tangible equity plus allowance | $138.7M | $137.8M | +$901K | +0.7% |
| Texas ratio (gross) | 0.47% | 0.16% | +0.31 pts | See points |
| Texas ratio (adjusted) | 0.47% | 0.16% | +0.31 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.47% | 0.16% | +0.31 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 42.27% | 42.49% | -0.22 pts | See points |
| Construction and land loans to total capital | 16.37% | 15.90% | +0.47 pts | See points |
| Commercial real estate to total capital | 22.48% | 21.99% | +0.49 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.16% | -3.97% | -0.19 pts | See points |
| Liquidity | ||||
| Core deposits | $169.2M | $168.3M | +$827K | +0.5% |
| Non-core funding | $18.8M | $18.4M | +$373K | +2.0% |
| Loans to core deposits | 105.34% | 103.66% | +1.67 pts | See points |
| Loans to deposits | 94.82% | 93.46% | +1.36 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.98% | 0.97% | +0.01 pts | See points |
| Loans pledged, share of loans | 74.75% | 74.71% | +0.03 pts | See points |
| Volatile liabilities | $18.8M | $18.4M | +$373K | +2.0% |
| Earnings | ||||
| Earnings before provision, year to date | $2.7M | $1.4M | +$1.3M | +96.6% |
| Earnings before provision, single quarter | $1.3M | $1.4M | -$47K | -3.4% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.29% | 5.23% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 2.93% | 3.84% | -0.91 pts | See points |
| Total interest income to average assets | 4.27% | 4.26% | +0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 0.03% | 0.02% | +0.01 pts | See points |
| Cost of savings and money market deposits | 0.13% | 0.10% | +0.02 pts | See points |
| Cost of time deposits | 3.55% | 3.67% | -0.12 pts | See points |
| Total interest expense to average assets | 1.06% | 1.09% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $324M | $185M | $182M | 1.21% | 2.86% | 3.35% |
| 2026-06-30 | $326M | $188M | $177M | 1.14% | 2.71% | 3.29% |
| 2026-03-31 | $324M | $187M | $173M | 1.17% | 2.78% | 3.26% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $182.4M | 0.08% | 124 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.