🏦Bank Scorer

ELIZABETHTON FEDERAL SAVINGS BANK

ELIZABETHTON, TN · Supervised by OTS

Est. 1937FDIC #29,904
Needs to Improve Down

Current rating · Exam: August 2010

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 1.17%

Institution Profile

FDIC BankFind

Address

112 N Sycamore St, ELIZABETHTON, TN

County

Carter County

Established

June 15, 1937

Total Assets

$324M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

August 2, 2010

Exam Type

Intermediate Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 15 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$324M

Total Deposits

$187M

Net Loans

$173M

Net Income

$943K

ROA

1.17%

ROE

2.78%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.72%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$182M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411692.24%1.72%
20239489.36%5.32%
202215694.87%0.00%
202115492.21%1.95%
202018993.12%3.17%
201915092.67%3.33%
201817888.76%5.06%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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