Elizabethton FSB (FDIC #29904): Bank Stress & Real-Estate Credit Exposure

Elizabethton FSB (FDIC Cert #29904): bank stress 28/100, contained, STABLE over 7 days.

Elizabethton FSB (#29904) lends in 3 counties across 1 state; Elizabethton FSB (#29904) reaches 22 ZIP codes: Tennessee 3 counties, 22 ZIPs.

Elizabethton FSB (#29904) largest markets: Washington County, TN (26 branches, 13 ZIPs) (#29904), Carter County, TN (16 branches, 8 ZIPs) (#29904), Johnson County, TN (5 branches, 5 ZIPs) (#29904).

Elizabethton FSB (#29904) reports $326.0 million in total assets; Elizabethton FSB (#29904) equity $137.2 million (42.1% of Elizabethton FSB (#29904) assets); Elizabethton FSB (#29904) domestic deposits $187.9 million; Elizabethton FSB (#29904) net income $1.8 million; Elizabethton FSB (#29904) return on assets 1.14%; Elizabethton FSB (#29904) return on equity 2.71%; Elizabethton FSB (#29904) net interest income $5.1 million; Elizabethton FSB (#29904) call report June 30, 2026.

Elizabethton FSB (#29904) noncurrent real-estate loans: none reported; Elizabethton FSB (#29904) net charge-offs on real estate 0.25%.

Elizabethton FSB (#29904) net interest margin 3.29% against an eight-quarter Elizabethton FSB (#29904) average of 2.83% (Elizabethton FSB (#29904) compression -0.46 points); Elizabethton FSB (#29904) rate-exposure score 40/100, Elizabethton FSB (#29904) fixed-rate trap 40/100; Elizabethton FSB (#29904) risk type rate trapped; Elizabethton FSB (#29904) rate regime rates elevated, Elizabethton FSB (#29904) snapshot October 19, 2026.

Elizabethton FSB (#29904) stress score moved from 27 on June 22, 2026 to 28.4 on October 19, 2026; Elizabethton FSB (#29904) ranged 27 to 28.4 over 116 snapshots.

Elizabethton FSB (#29904) alerts: 3 counties; top Elizabethton FSB (#29904) alert scores: Elizabethton County, TN 15 (low); Johnson City County, TN 15 (low); Mountain City County, TN 15 (low).