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<url><loc>https://stock.noler.com/us/stock/efsi/accretion-amortization-of-discounts-and-premiums-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/accrued-liabilities-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/accumulated-depreciation</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/activist-13d-13g</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/additional-paid-in-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/advances-from-federal-home-loan-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/affordable-housing-tax-credits-and-other-tax-benefits-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/allowance-for-loan-and-lease-losses-adjustments-net</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/amortization-method-qualified-affordable-housing-project-investments</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/amortization-of-debt-discount-premium</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/amortization-of-financing-costs</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/analyst-ratings-buy</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/analyst-ratings-hold</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/analyst-ratings-no-rating</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/analyst-ratings-sell</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/antidilutive-securities-excluded-from-computation-of-earnings-per-share-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/aoci</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/assets-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/auditor</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-accumulated-gross-unrealized-gain-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-accumulated-gross-unrealized-loss-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-amortized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-accrued-interest-after-allowance-for-credit-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-accumulated-gross-unrealized-gain-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-accumulated-gross-unrealized-loss-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-amortized-cost-basis</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-maturities-after-five-through-ten-years-fair-value</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-maturities-after-one-through-five-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-maturities-after-ten-years-amortized-cost</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-realized-gain</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-realized-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-realized-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-unrealized-loss-position</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-unrealized-loss-position-12-months-or-longer</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-unrealized-loss-position-12-months-or-longer-loss</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-debt-unrealized-loss-position-loss</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-gross-realized-gain-loss-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/available-for-sale-gross-realized-gains</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/bank-owned-life-insurance</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/bank-owned-life-insurance-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/banking-regulation-maximum-leverage-payout-ratio</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/basic-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/business</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/buybacks-share-repurchases</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/buybacks-shares-repurchased</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/buybacks-shares-repurchased-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/buybacks-stock-repurchased-shares</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/capital-expenditures</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/capital-required-for-capital-adequacy</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/capital-required-to-be-well-capitalized</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/cash-and-cash-equivalents-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/cash-and-cash-equivalents-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/cash-and-due-from-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/cash-and-equivalents</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/cash-and-restricted-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/cash-cash-equivalents-and-federal-funds-sold</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/cash-flow-breakdown</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/common-equity-tier-one-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/common-equity-tier-one-capital-required-for-capital-adequacy</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/common-equity-tier-one-capital-required-to-be-well-capitalized</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/common-stock-par-or-stated-value-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/common-stock-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/company-guidance</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/company-profile</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/compensating-balance-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/comprehensive-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/concept-stock-issued-tag-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/congressional-trades-stocks-including-adrs</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/convertible-securities-retired</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/cover-page-shares-outstanding</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/current-federal-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/current-foreign-tax-expense-benefit</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/debt-increase-decrease-other-net</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/deferred-tax-assets-derivative-instruments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/deferred-tax-assets-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/deferred-tax-assets-liabilities-net</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/deferred-tax-liabilities-mortgage-servicing-rights</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/deferred-tax-liabilities-property-plant-and-equipment</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/defined-benefit-plan-actuarial-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/defined-benefit-plan-assumptions-used-calculating-benefit-obligation-discount-rate</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/defined-benefit-plan-assumptions-used-calculating-net-periodic-benefit-cost-expected-long-term-return-on-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/defined-benefit-plan-benefit-obligation-change</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/defined-benefit-plan-expected-future-benefit-payments-five-fiscal-years-thereafter</loc></url>
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<url><loc>https://stock.noler.com/us/stock/efsi/defined-benefit-plan-health-care-cost-trend-rate-assumed-next-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/defined-benefit-plan-net-periodic-benefit-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/defined-contribution-plan-employer-matching-contribution-percent</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/defined-contribution-plan-employer-matching-contribution-percent-of-match</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/defined-contribution-plan-maximum-annual-contribution-per-employee-percent</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/defined-contribution-plan-maximum-annual-contributions-per-employee-percent</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/deposit-liabilities-accrued-interest</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/deposit-liabilities-reclassified-as-loans-receivable</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/deposits-domestic</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/deposits-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/depreciation</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/derivative-amount-of-hedged-item</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/derivative-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/derivative-fair-value-hedge-included-in-effectiveness-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/derivative-fixed-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/derivative-gain-loss-on-derivative-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/derivative-gain-loss-recognized-in-oci-effective-portion-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/derivative-gain-on-derivative</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/derivative-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/derivative-notional-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/diluted-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/dilutive-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/dividend</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/dividend-income-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/dividend-safety</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/dividends-common-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/dividends-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/dividends-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/ebitda</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/ebitda-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/effective-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/employee-benefits-and-share-based-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/employee-count</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/eps</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/eps-basic</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/equipment-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/executive-pay-pvp</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/executive-salary-officers</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/expense-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/fair-value-hedge-assets-at-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/fair-value-hedge-liabilities-at-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/fair-value-liabilities-subordinated-debt-obligations</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/fair-value-of-assets-acquired</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-deposit-insurance-corporation-premium-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-funds-purchased</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-funds-purchased-and-securities-sold-under-agreements-to-repurchase</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-funds-sold</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances-branch-of-fhlb-bank-amount-of-advances-by-branch</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances-general-debt-obligations-disclosures-amount-of-available-unused-funds</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances-general-debt-obligations-disclosures-interest-rate-at-period-end</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances-general-debt-obligations-disclosures-interest-rate-range-from</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances-general-debt-obligations-disclosures-interest-rate-range-to</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances-general-debt-obligations-disclosures-maximum-amount-available</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances-long-term</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances-maturities-summary-average-interest-rate-of-amounts-due-within-one-year-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances-maturities-summary-average-interest-rate-one-to-two-years-from-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances-maturities-summary-due-from-one-to-two-years-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances-maturities-summary-due-from-two-to-three-years-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances-maturities-summary-due-within-one-year-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/federal-home-loan-bank-advances-short-term</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/fees-and-commissions-depositor-accounts</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/fees-and-commissions-fiduciary-and-trust-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/fees-and-commissions-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-allowance-for-credit-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-allowance-for-credit-losses-collectively-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-allowance-for-credit-losses-effect-of-change-in-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-allowance-for-credit-losses-individually-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-allowance-for-credit-losses-recovery</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-allowance-for-credit-losses-write-offs</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-collectively-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-excluding-accrued-interest-modified-period</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-excluding-accrued-interest-nonaccrual</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-excluding-accrued-interest-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-individually-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-modifications-number-of-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-modifications-number-of-contracts-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-modifications-post-modification-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-modifications-post-modification-recorded-investment-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-modifications-pre-modification-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-modifications-pre-modification-recorded-investment-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-modifications-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-modifications-subsequent-default-number-of-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-nonaccrual-no-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-recorded-investment-30-to-59-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-recorded-investment-60-to-89-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-recorded-investment-90-days-past-due-and-still-accruing</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-recorded-investment-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-recorded-investment-equal-to-greater-than-90-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-recorded-investment-nonaccrual-status</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivable-recorded-investment-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/financing-receivables-impaired-troubled-debt-restructuring-write-down</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/foreclosed-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/form-144-stocks</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/form-n-port-stocks</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/gain-loss-on-disposition-of-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/gain-loss-on-disposition-of-other-financial-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/gain-loss-on-sale-of-other-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/gain-loss-on-sale-of-property-plant-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/gain-loss-on-sale-of-securities-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/gain-loss-on-sales-of-loans-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/gains-losses-on-sales-of-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/gains-losses-on-sales-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/goodwill-impairment-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/graph</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/gross-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/impaired-financing-receivable-average-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/impaired-financing-receivable-interest-income-accrual-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/impaired-financing-receivable-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/impaired-financing-receivable-related-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/impaired-financing-receivable-unpaid-principal-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/impaired-financing-receivable-with-no-related-allowance-average-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/impaired-financing-receivable-with-no-related-allowance-interest-income-accrual-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/impaired-financing-receivable-with-no-related-allowance-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/impaired-financing-receivable-with-no-related-allowance-unpaid-principal-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/impaired-financing-receivable-with-related-allowance-average-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/impaired-financing-receivable-with-related-allowance-interest-income-accrual-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/impaired-financing-receivable-with-related-allowance-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/impaired-financing-receivable-with-related-allowance-unpaid-principal-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/included-in-etf</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/income-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/income-tax-at-federal-statutory-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/income-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/income-tax-expense-benefit-adjustment-of-deferred-tax-asset-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/income-tax-paid-federal-before-refund-received</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/income-taxes-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/income-taxes-paid-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/increase-decrease-in-deferred-leasing-fees</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/increase-decrease-in-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/increase-decrease-in-federal-funds-purchased</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/increase-decrease-in-federal-funds-purchased-and-securities-sold-under-agreements-to-repurchase-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/increase-decrease-in-loans-from-other-federal-home-loan-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/increase-decrease-in-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/increase-decrease-in-loans-to-federal-home-loan-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/increase-decrease-in-operating-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/increase-decrease-in-other-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/increase-decrease-in-other-operating-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/increase-decrease-in-time-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/information-technology-and-data-processing</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/insider-transactions</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-and-dividend-income-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-and-fee-income-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-bearing-deposit-liabilities-domestic</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-bearing-deposits-in-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-bearing-domestic-deposit-brokered</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-bearing-domestic-deposit-money-market</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-bearing-domestic-deposit-negotiable-order-of-withdrawal-now</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-bearing-domestic-deposit-savings</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-expense-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-expense-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-expense-domestic-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-expense-federal-funds-purchased</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-expense-federal-funds-purchased-and-securities-sold-under-agreements-to-repurchase</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-expense-federal-funds-purchased-increase-decrease</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-expense-federal-home-loan-bank-and-federal-reserve-bank-advances-short-term</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-expense-loans-from-other-federal-home-loan-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-expense-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-expense-subordinated-notes-and-debentures</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-expense-trading-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-expense-trust-preferred-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-income-deposits-with-financial-institutions</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-income-domestic-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-income-expense-after-provision-for-loan-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-income-expense-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-income-federal-funds-sold</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-income-securities-tax-exempt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-income-securities-taxable</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-paid-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-rate-derivative-assets-at-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-rate-derivative-liabilities-at-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/interest-receivable</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/investing-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/iran-activity-notices-irannotice</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/labor-and-related-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/late-filing-notices-nt-10-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/lease-and-rental-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/lessee-operating-lease-liability-payments-remainder-of-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/lessee-operating-lease-liability-undiscounted-excess-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/liabilities-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/line-of-credit-facility-current-borrowing-capacity</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-and-leases-receivable-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-and-leases-receivable-allowance-covered</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-and-leases-receivable-deferred-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-and-leases-receivable-gross-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-and-leases-receivable-gross-carrying-amount-covered</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-and-leases-receivable-net-of-deferred-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-and-leases-receivable-net-reported-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-and-leases-receivable-net-reported-amount-covered</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-and-leases-receivable-net-reported-amount-covered-and-not-covered</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-and-leases-receivable-related-parties</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-and-leases-receivable-related-parties-additions</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-and-leases-receivable-related-parties-collections</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-held-for-sale-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-receivable-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loans-receivable-held-for-sale-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loss-on-cash-flow-hedge-ineffectiveness</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/loss-on-sale-of-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/market-cap</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/marketing-and-advertising-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/material-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/maturities-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/mortgage-loans-in-process-of-foreclosure-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/mortgage-loans-on-real-estate-amortization-of-premium</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/net-change-in-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/net-fee-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/net-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/net-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/news</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/non-peo-neo-avg-comp-actually-paid-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/non-peo-neo-avg-total-comp-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/noninterest-bearing-deposit-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/noninterest-bearing-deposit-liabilities-domestic</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/noninterest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/noninterest-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/noninterest-income-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/noninterest-income-other-operating-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/notes-receivable-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/number-of-operating-segments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/number-of-stores</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/occupancy-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-available-for-sale-adjustment-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-available-for-sale-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-available-for-sale-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-before-reclassifications-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-defined-benefit-plans-adjustment-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-defined-benefit-plans-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-derivatives-qualifying-as-hedges-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-derivatives-qualifying-as-hedges-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-derivatives-qualifying-as-hedges-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-derivatives-qualifying-as-hedges-tax-effect-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-other-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-pension-and-other-postretirement-benefit-plans-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-pension-and-other-postretirement-benefit-plans-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-securities-sale-reclassification-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-unrealized-holding-gain-loss-on-securities-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-unrealized-holding-gain-loss-on-securities-arising-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/oci-unrealized-holding-gain-loss-on-securities-arising-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments-due-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments-due-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments-due-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments-due-in-five-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments-due-in-four-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments-due-in-three-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments-due-in-two-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments-due-next-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments-due-thereafter</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments-due-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments-due-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments-due-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-payments-due-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-lease-weighted-average-discount-rate-percent</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/operating-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/options-activity</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/other-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/other-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/other-noninterest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/other-operating-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/other-postretirement-benefits-expense-reversal-of-expense-noncash</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/other-real-estate-additions</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/other-real-estate-and-foreclosed-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/other-real-estate-disposals</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/other-real-estate-valuation-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/other-receivables-gross-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/outstanding-bonds</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/paid-in-capital-stock-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/paid-in-capital-tax-effect-from-share-based-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/patents-active</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/payments-for-origination-and-purchases-of-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/payments-for-proceeds-from-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/payments-for-proceeds-from-loans-receivable</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/payments-to-acquire-available-for-sale-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/payments-to-acquire-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/payments-to-acquire-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/payments-to-acquire-restricted-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/pb-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/pe-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/peo-actually-paid-comp-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/peo-total-comp-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/pledged-financial-instruments-not-separately-reported-securities-pledged</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/pre-tax-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/preferred-shares-facts</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/preferred-stock-par-or-stated-value-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/preferred-stock-shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/preferred-stock-shares-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/preferred-stock-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/prepayable-financial-asset-closed-portfolio-last-of-layer-amortized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/pretax-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/pretax-income-minority-interest-and-income-loss-from-equity-method-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/previous-etf-holding-it</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/price-fcf-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-issuance-of-subordinated-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-sale-and-maturity-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-sale-of-available-for-sale-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-sale-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-sale-of-finance-receivables</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-sale-of-foreclosed-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-sale-of-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-sale-of-machinery-and-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-sale-of-other-assets-investing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-sale-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-sale-of-property-plant-and-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-sale-of-restricted-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-stock-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/proceeds-from-stock-options-exercised</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/professional-fees</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/profit-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/property-plant-and-equipment-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/property-plant-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/provision-for-loan-and-lease-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/provision-for-loan-lease-and-other-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/provision-for-other-credit-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/provision-for-other-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/ps-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/public-float</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/qualified-affordable-housing-project-investments-commitment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/quick-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/real-estate-acquired-through-foreclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/real-estate-owned-valuation-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/real-estate-owned-valuation-allowance-provision</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/realized-investment-gains-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/reclassification-from-accumulated-oci-current-period-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/related-party-deposit-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/restricted-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/restricted-investments-at-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/retained-earnings</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/return-on-tangible-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/revenue</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/revenue-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/roa</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/roe</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/roi</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/scorecard</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/sec-comment-letters-upload</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/sec-enforcement-actions</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/sec-filings-10-q</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/sec-filings-25-nse</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/sec-filings-8-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/sec-filings-px14a6g</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/sec-filings-s-4</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/secondary-offerings</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/securities-loaned-or-sold-under-agreements-to-repurchase-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/securities-sold-under-agreements-to-repurchase</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/shareholders-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/shares-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/shares-outstanding</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/short-sale-volume</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/short-term-lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/statutory-accounting-practices-statutory-amount-available-for-dividend-payments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-award-number-of-shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-award-options-exercises-in-period-average-exercise-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-award-options-forfeitures-in-period-average-exercise-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-award-rsu-forfeited-in-period</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-award-rsu-forfeitures-grant-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-award-rsu-grants-in-period</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-award-rsu-grants-in-period-grant-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-award-rsu-nonvested-grant-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-award-rsu-nonvested-number</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-award-rsu-vested-in-period</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-award-rsu-vested-in-period-grant-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-based-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-issued-new-shares-sold</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-issued-shares-issued-for-options-exercised</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-issued-shares-issued-shares-dividend-reinvestment-plan</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-issued-shares-issued-shares-employee-benefit-plan</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-issued-shares-issued-shares-new-issues</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-issued-shares-issued-shares-restricted-stock-award-net-of-forfeitures</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-issued-shares-issued-value-dividend-reinvestment-plan</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-issued-shares-issued-value-employee-benefit-plan</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-issued-shares-issued-value-restricted-stock-award-net-of-forfeitures</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-issued-shares-issued-value-stock-options-exercised</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-options-exercisable-average-exercise-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-options-exercisable-number</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-options-forfeitures-in-period</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-options-outstanding-average-exercise-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-options-outstanding-intrinsic-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-options-outstanding-number</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-repurchase-program-number-of-shares-authorized-to-be-repurchased</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-repurchase-program-number-of-shares-authorized-to-be-repurchased-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-repurchase-program-remaining-number-of-shares-authorized-to-be-repurchased</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stock-splits</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/stockholders-equity-including-portion-attributable-to-noncontrolling-interest</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/subordinated-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/subsidiaries</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/supplies-and-postage-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-rate-reconciliation-at-federal-statutory-income-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-rate-reconciliation-foreign-income-tax-rate-differential</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-rate-reconciliation-other-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-rate-reconciliation-state-and-local-income-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-rate-reconciliation-tax-credits-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-rate-reconciliation-tax-credits-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-rate-reconciliation-tax-exempt-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-reconciliation-change-in-enacted-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-reconciliation-foreign-income-tax-rate-differential</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-reconciliation-nondeductible-expense-life-insurance</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-reconciliation-other-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-reconciliation-state-and-local-income-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-reconciliation-tax-credits</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-reconciliation-tax-credits-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-reconciliation-tax-credits-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tax-reconciliation-tax-exempt-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tier-one-leverage-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tier-one-leverage-capital-required-for-capital-adequacy</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tier-one-leverage-capital-required-to-be-well-capitalized</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tier-one-risk-based-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tier-one-risk-based-capital-required-for-capital-adequacy</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/tier-one-risk-based-capital-required-to-be-well-capitalized</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/time-deposit-maturities-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/time-deposit-maturities-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/time-deposit-maturities-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/time-deposit-maturities-year-one</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/time-deposit-maturities-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/time-deposit-maturities-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/time-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/time-deposits-100000-or-more-domestic</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/time-deposits-less-than-100000</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/total-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/total-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/total-liabilities-and-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/total-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/total-shareholder-rtn-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/transfer-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/transfer-to-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/transfer-to-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/translation-adjustment-for-net-investment-hedge-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/ttl-fee-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/ttl-offering-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/ttl-offset-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/unamortized-debt-issuance-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/unrealized-gain-loss-on-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/variable-lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/weighted-average-basic-shares-outstanding-pro-forma</loc></url>
<url><loc>https://stock.noler.com/us/stock/efsi/weighted-average-number-of-share-outstanding-basic-and-diluted</loc></url>
</urlset>
