BlastPoint's Banking Scorecard

Elizabethton Federal Savings Bank

$100M-$1B Specialty: Other TN FDIC cert 29904

Designations: ✓ Mutual

Elizabethton, TN

5 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN

Elizabethton Federal Savings Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 18.26% below tier average
+ Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 3.7% in tier
- Liquidity Strain: Bottom 41.7% in tier
- Non-Interest-Bearing Deposit Share 20.09% below tier average
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.10% below tier average
- Net Interest Margin 0.67% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$324.2M +2.8% YoY +1.7% QoQ	-$61.9M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	50%
Total Loans ?	$173.0M +8.9% YoY +0.1% QoQ	-$82.7M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	42%
Total Deposits ?	$186.7M +2.7% YoY +2.3% QoQ	-$141.3M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	31%
Return on Assets ?	1.17% +39.3% YoY +9.3% QoQ	-0.10%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	3.26% +20.8% YoY +9.1% QoQ	-0.67%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	47.03% -5.7% YoY -2.5% QoQ	-18.26%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	Top 11.1% in tier
Delinquency Rate ?	0.00% -98.3% YoY	-0.89%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	Top 12.1% in tier
Loan-to-Deposit Ratio ?	92.66% +6.1% YoY -2.1% QoQ	+16.02%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	1.93% +12.4% YoY +15.5% QoQ	-20.09%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	Bottom 1.4% in tier
Nonperforming Asset Ratio ?	0.07% -63.8% YoY -0.3% QoQ	-0.57%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	75%
Tier 1 Capital Ratio ?	42.49% +0.6% YoY +0.3% QoQ	+26.66%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	Top 1.3% in tier
Non-Interest Income / Assets ?	0.03% -20.1% YoY -81.2% QoQ	-0.25%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	Bottom 6.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#28 of 739 • Bottom 3.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 42.49%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 92.66%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#269 of 643 • Bottom 41.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.66%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Tier 1 Capital Ratio

capital

Value: 42.49%

Peer Median: 15.83%

#35 of 2664 Top 1.3% in $100M-$1B

298

Efficiency Ratio

profitability

Value: 47.03%

Peer Median: 65.29%

#298 of 2664 Top 11.1% in $100M-$1B

322

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#322 of 2654 Top 12.1% in $100M-$1B

666

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.64%

#666 of 2664 Top 25.0% in $100M-$1B

Top Weaknesses (4 metrics)

2627

Non-Interest-Bearing Deposit Share

funding

Value: 1.93%

Peer Median: 22.02%

#2627 of 2664 Bottom 1.4% in $100M-$1B

2489

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2489 of 2664 Bottom 6.6% in $100M-$1B

2155

Loan-to-Deposit Ratio

liquidity

Value: 92.66%

Peer Median: 76.64%

#2155 of 2664 Bottom 19.1% in $100M-$1B

2123

Net Interest Margin

profitability

Value: 3.26%

Peer Median: 3.93%

#2123 of 2664 Bottom 20.3% in $100M-$1B