Carter County Bank of Elizabethton, Tennessee

Headquarters

601 Elk Avenue
Elizabethton, TN 37643
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.70% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Carter County Bank of Elizabethton, Tennessee is an FDIC insured institution located in Elizabethton, TN. It was founded in 1939 and has approximately $0.27 billion in assets.

FDIC Insured Yes
FDIC Certificate # 15685
Date Established 1939
Assets $ 265.83 million
Loans $ 158.40 million
Deposits $ 208.23 million
Capital $ 25.91 million
 

For a more detailed analysis of Carter County Bank of Elizabethton, Tennessee's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - January 22, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - January 22, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Carter County Bank of Elizabethton, Tennessee

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.243% 3.125% 1.00 $3,750 $1,071 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to Carter County Bank of Elizabethton, Tennessee
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Branches

Carter County Bank of Elizabethton, Tennessee branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Carter County Bank of Elizabethton, Tennessee Locations


Financial Details

Carter County Bank of Elizabethton, Tennessee Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Carter County Bank of Elizabethton, Tennessee. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Carter County Bank of Elizabethton, Tennessee U.S. Bank Average
26.16% 6.14%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2020, Carter County Bank of Elizabethton, Tennessee had $3,062,000 in non-current loans and $4,306,000 in owned real estate. To cover these potential losses it had $25,913,000 in equity and $2,255,000 in loans loss reserves. That gives it a Texas Ratio of 26.16%.

Return on Equity
Carter County Bank of Elizabethton, Tennessee U.S. Bank Average
3.35% 9.23%

Carter County Bank of Elizabethton, Tennessee has a Return on Equity of 3.35% versus the BestCashCow average of 9.23%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Carter County Bank of Elizabethton, Tennessee U.S. Bank Average
9.75% 12.07%

Carter County Bank of Elizabethton, Tennessee has a Capitalization of 9.75% versus the BestCashCow average of 12.07. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Carter County Bank of Elizabethton, Tennessee Balance Sheet Analysis

As of December 31, 2012, Carter County Bank of Elizabethton, Tennessee had assets of $265,828,000, loans of $158,397,000, and deposits of $208,232,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 158.40 million
Loan loss allowance $ 2.26 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 4.31 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 208.23 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 265.83 million

Summary Income Statement

September 30, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Carter County Bank of Elizabethton, Tennessee’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Tennessee, Carter County Bank of Elizabethton, Tennessee has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 47.58
Multifamily
Mortgages
2.50
Credit Card Loans 0.00
Consumer Auto Loans 1.81
Small Business Loans 15.00
Construction and Development Loans 9.15
Commercial Real Estate 29.45
Commercial and Industrial Loans 5.70
Farm Loans 0.03

Frequently Asked Questions About Carter County Bank Of Elizabethton, Tennessee

Branches and Savings

Is Carter County Bank Of Elizabethton, Tennessee FDIC insured?

Yes. It is covered under FDIC Certificate #15685.

Why does Carter County Bank Of Elizabethton, Tennessee pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Carter County Bank Of Elizabethton, Tennessee CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Carter County Bank Of Elizabethton, Tennessee a commercial bank?

Yes

Where are Carter County Bank Of Elizabethton, Tennessee locations?

See branch locations nearby.

Is Carter County Bank Of Elizabethton, Tennessee open on Saturdays?

Is Carter County Bank Of Elizabethton, Tennessee open on Sundays?

What time does Carter County Bank Of Elizabethton, Tennessee open?

What time does Carter County Bank Of Elizabethton, Tennessee close?

Are Carter County Bank Of Elizabethton, Tennessee ATMs Open 24/7?

Do Carter County Bank Of Elizabethton, Tennessee ATMs accept cash deposits?

Can Carter County Bank Of Elizabethton, Tennessee customers use other ATMs?

Do Carter County Bank Of Elizabethton, Tennessee branches have notaries?

Will Carter County Bank Of Elizabethton, Tennessee notarize my document?

What address for Carter County Bank Of Elizabethton, Tennessee should I put for incoming ACH transfers?

Will the Carter County Bank Of Elizabethton, Tennessee branch print checks?

Do Carter County Bank Of Elizabethton, Tennessee checks expire?

Does Carter County Bank Of Elizabethton, Tennessee require US citizenship to open account?

Can Carter County Bank Of Elizabethton, Tennessee close my account?

Does Carter County Bank Of Elizabethton, Tennessee Report to credit bureaus?

Does Carter County Bank Of Elizabethton, Tennessee Use Equifax?

What is Carter County Bank Of Elizabethton, Tennessee's ACH Routing Number?

What is Carter County Bank Of Elizabethton, Tennessee's SWIFT code?

Products

Does Carter County Bank Of Elizabethton, Tennessee offer mortgages?

Compare mortgage rates here.

Does Carter County Bank Of Elizabethton, Tennessee offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Carter County Bank Of Elizabethton, Tennessee offer personal loans?

Compare personal loan rates here.

Does Carter County Bank Of Elizabethton, Tennessee offer student loans?

Will Carter County Bank Of Elizabethton, Tennessee cash a check?

Will Carter County Bank Of Elizabethton, Tennessee redeem a savings bond?

Does Carter County Bank Of Elizabethton, Tennessee cash savings bonds?

Will Carter County Bank Of Elizabethton, Tennessee cash money orders?

Can Carter County Bank Of Elizabethton, Tennessee issue a money order?

Does Carter County Bank Of Elizabethton, Tennessee do currency exchange?

Background on The Bank

Who owns Carter County Bank Of Elizabethton, Tennessee?

How long has Carter County Bank Of Elizabethton, Tennessee been around?

Can Carter County Bank Of Elizabethton, Tennessee transfer to other banks?

Does Carter County Bank Of Elizabethton, Tennessee have quick pay?

Does Carter County Bank Of Elizabethton, Tennessee accept rolled coins?

Will Carter County Bank Of Elizabethton, Tennessee accept loose change?

Where is Carter County Bank Of Elizabethton, Tennessee headquarters?

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