First Federal Savings Bank of Elizabethtown

Headquarters

2323 Ring Road
Elizabethtown, KY 42701
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
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

First Federal Savings Bank of Elizabethtown is an FDIC insured institution located in Elizabethtown, KY. It was founded in 1923 and has approximately $0.78 billion in assets.

FDIC Insured Yes
FDIC Certificate # 28610
Date Established 1923
Assets $ 753.72 million
Loans $ 428.82 million
Deposits $ 673.80 million
Capital $ 63.58 million
 

For a more detailed analysis of First Federal Savings Bank of Elizabethtown's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111

 

Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for First Federal Savings Bank of Elizabethtown

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




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Note to First Federal Savings Bank of Elizabethtown
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Branches

First Federal Savings Bank of Elizabethtown branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


First Federal Savings Bank of Elizabethtown Locations


Financial Details

First Federal Savings Bank of Elizabethtown Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Federal Savings Bank of Elizabethtown. 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
First Federal Savings Bank of Elizabethtown U.S. Bank Average
38.05% 5.29%

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 March 31, 2021, First Federal Savings Bank of Elizabethtown had $16,366,000 in non-current loans and $10,953,000 in owned real estate. To cover these potential losses it had $63,578,000 in equity and $8,218,000 in loans loss reserves. That gives it a Texas Ratio of 38.05%.

Return on Equity
First Federal Savings Bank of Elizabethtown U.S. Bank Average
2.37% 11.43%

First Federal Savings Bank of Elizabethtown has a Return on Equity of 2.37% versus the BestCashCow average of 11.43%. 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
First Federal Savings Bank of Elizabethtown U.S. Bank Average
8.44% 11.51%

First Federal Savings Bank of Elizabethtown has a Capitalization of 8.44% versus the BestCashCow average of 11.51. 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.

First Federal Savings Bank of Elizabethtown Balance Sheet Analysis

As of September 30, 2014, First Federal Savings Bank of Elizabethtown had assets of $775,115,000, loans of $428,815,000, and deposits of $673,797,000. 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

March 31, 2021
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 $ 428.82 million
Loan loss allowance $ 8.22 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 10.95 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 673.80 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 $ 753.72 million

Summary Income Statement

March 31, 2021
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 First Federal Savings Bank of Elizabethtown’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Kentucky, First Federal Savings Bank of Elizabethtown has a significantly higher percent of Commercial Real Estate 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 38.38
Multifamily
Mortgages
4.91
Credit Card Loans 0.06
Consumer Auto Loans 3.03
Small Business Loans 5.26
Construction and Development Loans 7.92
Commercial Real Estate 40.54
Commercial and Industrial Loans 5.70
Farm Loans 0.00

Frequently Asked Questions About First Federal Savings Bank Of Elizabethtown

Branches and Savings

Is First Federal Savings Bank Of Elizabethtown FDIC insured?

Yes. It is covered under FDIC Certificate #28610.

Why does First Federal Savings Bank Of Elizabethtown pay such low interest on savings accounts?

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

Why are First Federal Savings Bank Of Elizabethtown CD rates not competitive?

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

Is First Federal Savings Bank Of Elizabethtown a commercial bank?

Yes

Where are First Federal Savings Bank Of Elizabethtown locations?

See branch locations nearby.

Is First Federal Savings Bank Of Elizabethtown open on Saturdays?

Is First Federal Savings Bank Of Elizabethtown open on Sundays?

What time does First Federal Savings Bank Of Elizabethtown open?

What time does First Federal Savings Bank Of Elizabethtown close?

Are First Federal Savings Bank Of Elizabethtown ATMs Open 24/7?

Do First Federal Savings Bank Of Elizabethtown ATMs accept cash deposits?

Can First Federal Savings Bank Of Elizabethtown customers use other ATMs?

Do First Federal Savings Bank Of Elizabethtown branches have notaries?

Will First Federal Savings Bank Of Elizabethtown notarize my document?

What address for First Federal Savings Bank Of Elizabethtown should I put for incoming ACH transfers?

Will the First Federal Savings Bank Of Elizabethtown branch print checks?

Do First Federal Savings Bank Of Elizabethtown checks expire?

Does First Federal Savings Bank Of Elizabethtown require US citizenship to open account?

Can First Federal Savings Bank Of Elizabethtown close my account?

Does First Federal Savings Bank Of Elizabethtown Report to credit bureaus?

Does First Federal Savings Bank Of Elizabethtown Use Equifax?

What is First Federal Savings Bank Of Elizabethtown's ACH Routing Number?

What is First Federal Savings Bank Of Elizabethtown's SWIFT code?

Products

Does First Federal Savings Bank Of Elizabethtown offer mortgages?

Compare mortgage rates here.

Does First Federal Savings Bank Of Elizabethtown offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Federal Savings Bank Of Elizabethtown offer personal loans?

Compare personal loan rates here.

Does First Federal Savings Bank Of Elizabethtown offer student loans?

Will First Federal Savings Bank Of Elizabethtown cash a check?

Will First Federal Savings Bank Of Elizabethtown redeem a savings bond?

Does First Federal Savings Bank Of Elizabethtown cash savings bonds?

Will First Federal Savings Bank Of Elizabethtown cash money orders?

Can First Federal Savings Bank Of Elizabethtown issue a money order?

Does First Federal Savings Bank Of Elizabethtown do currency exchange?

Background on The Bank

Who owns First Federal Savings Bank Of Elizabethtown?

How long has First Federal Savings Bank Of Elizabethtown been around?

Can First Federal Savings Bank Of Elizabethtown transfer to other banks?

Does First Federal Savings Bank Of Elizabethtown have quick pay?

Does First Federal Savings Bank Of Elizabethtown accept rolled coins?

Will First Federal Savings Bank Of Elizabethtown accept loose change?

Where is First Federal Savings Bank Of Elizabethtown headquarters?

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