Bank · FDIC insured
Elizabethton Federal Savings Bank
A $326M bank headquartered in Elizabethton, TN, with 5 branches in Tennessee. Best rates: CDs 4.01% and savings 0.80% APY.
Elizabethton Federal Savings Bank Carrot Score
73
Carrot Score
Higher than 33% of U.S. banks and credit unions
#13 of 20 in Johnson City, TN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Elizabethton Federal Savings Bank
Headquartered in Carter County, Tennessee, Elizabethton Federal Savings Bank has been operating since 1937.
The bank serves the communities of Northeast Tennessee and the Tri-Cities, with branch offices in Carter, Johnson, and Washington counties.
- Headquarters
- 112 N Sycamore St, Elizabethton, TN 37643
- FDIC certificate
- 29904 ↗
Branches
5 branches in Tennessee
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Tennessee
5 branches
Johnson City area · 4
- Elizabethton Federal Savings BankMain office112 N Sycamore St, Elizabethton, TN 37643Directions
- 400 Bemberg Road Branch400 Bemberg Rd, Elizabethton, TN 37643Directions
- 304 Sunset Drive Branch304 Sunset Dr, Johnson City, TN 37604Directions
- West State Of Franklin Rd. Banch1190 W State Of Franklin Rd, Johnson City, TN 37604Directions
Mountain City area · 1
- 404 South Shady Street Branch404 South Shadt Street, Mountain City, TN 37683Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 42.27% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.25% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.14% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $95 | $81 | — |
- CapitalLeverage ratio42.27%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.25%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.14%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$95Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Elizabethton Federal Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.