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Volunteer Federal Savings Bank

$100M-$1B Specialty: Mortgage TN FDIC cert 31694

Designations: ✓ Mutual

Madisonville, TN

6 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
  • Deposits +5.6% year over year ($353.5M on the books).
  • Delinquency rate 0.35%.
  • Return on assets 0.92%.
  • Efficiency ratio 69.96% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.58% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

Volunteer Federal Savings Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 20.5% in tier
  • - Credit Risk Growth: Bottom 23.4% in tier
  • - Liquidity Overhang: Bottom 37.5% in tier
  • - ROA 0.40% below tier average
  • - Net Interest Margin 0.70% below tier average
  • - Efficiency Ratio 5.48% above tier average
Get updates when Volunteer Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $397.1M
+6.2% YoY +0.2% QoQ
+$10.5M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
61%
Total Loans ? $253.0M
+6.5% YoY +1.2% QoQ
-$5.3M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
59%
Total Deposits ? $353.5M
+5.6% YoY -0.1% QoQ
+$26.8M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
63%
Return on Assets ? 0.92%
+33.4% YoY +3.6% QoQ
-0.40% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
30%
Net Interest Margin ? 3.28%
+9.9% YoY +1.7% QoQ
-0.70% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
19%
Efficiency Ratio ? 69.96%
-3.5% YoY +1.1% QoQ
+5.48% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 0.35%
+20.9% YoY -1.4% QoQ
-0.57% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
55%
Loan-to-Deposit Ratio ? 71.58%
+0.8% YoY +1.3% QoQ
-6.37% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 17.79%
+4.3% YoY -1.6% QoQ
-4.24% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
35%
Nonperforming Asset Ratio ? 0.22%
+21.2% YoY -0.5% QoQ
-0.45% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
59%
Tier 1 Capital Ratio ? 22.55%
+6.6% YoY +1.9% QoQ
+6.65% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
Top 9.6% in tier
Non-Interest Income / Assets ? 0.32%
+0.4% YoY +107.5% QoQ
-0.25% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
75%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 17.8%
+0.7pp YoY
-0.3pp QoQ
 -4.4pp 22.1% 18.8% 22.2% 35%
Brokered Deposits n/a n/a 7.9% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 0.6%
0.0pp YoY
0.0pp QoQ
 -10.9pp 11.6% 10.9% 12.5% 2%
CRE 13.9%
-0.3pp YoY
-0.9pp QoQ
 -25.7pp 39.5% 42.4% 41.4% 9%
1-4 Family 81.8%
+0.5pp YoY
+0.9pp QoQ
 +49.1pp 32.6% 39.8% 31.3% 97%
Consumer 3.9%
-0.2pp YoY
-0.1pp QoQ
 -0.3pp 4.1% 4.5% 5.0% 69%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 22.6%
+1.4pp YoY
+0.4pp QoQ
 +3.7pp 18.8% 14.8% 19.7% 84%
Leverage Ratio 11.2%
+0.1pp YoY
0.0pp QoQ
 -0.9pp 12.2% 11.4% 12.6% 54%
Total Capital Ratio 23.2%
+1.3pp YoY
+0.4pp QoQ
 +3.2pp 19.9% 15.9% 20.8% 83%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 81
+7 (+9.5%) YoY
+7 (+9.5%) QoQ
 +22 58 270 482 77%
Assets per Employee ($) $4.9M
-2.9% YoY
-8.4% QoQ
 -$2.6M $7.5M $7.1M $8.8M 13%
Branch Count 6
0 YoY
0 QoQ
 +1 4 17 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.1pp YoY
0.0pp QoQ
 0.0pp 0.3% 0.2% 0.4% 76%
Nonaccrual n/a n/a 0.9% 0.7% 1.0% n/a
Allowance Coverage 1.35x
-28.6% YoY
-7.4% QoQ
 -22.81x 24.15x 28.97x 20.23x 36%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 40%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 9.1%
+1.9pp YoY
+0.2pp QoQ
 -3.1pp 12.2% 10.9% 11.6% 31%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 2.0% 1.7% 40%
Net Income ($, YTD) $1.8M
+43.9% YoY
— QoQ
 -$740K $2.6M $16.7M $40.4M 49%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk
#258 of 1256 • Bottom 20.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.35%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#220 of 936 • Bottom 23.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#279 of 742 • Bottom 37.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 22.55%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 71.58%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

254
Tier 1 Capital Ratio
capital
Value: 22.55%
Peer Median: 15.91%
#254 of 2643 Top 9.6% in $100M-$1B

Top Weaknesses (1 metrics)

2140
Net Interest Margin
profitability
Value: 3.28%
Peer Median: 3.99%
#2140 of 2643 Bottom 19.1% in $100M-$1B
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