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Volunteer Federal Savings Bank
Madisonville, TN · FDIC Certificate #31694 · Chartered 01/0
Total assets
$397.06M
Total deposits
$353.50M
Total equity
$40.85M
Net loans
$253.04M
Branches (offices)
6
Net income (YTD)
$1.81M
Rank: #2,065 of 4,213 U.S. banks by assets · #62 of 109 in Tennessee. Assets changed 6.2% and deposits 5.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.92% |
| Return on equity | 9.08% |
| Net interest margin (YTD) | 3.28% |
| Equity to assets | 10.29% |
| Tier 1 leverage ratio | 11.23% |
| Uninsured deposits (share of deposits) | 14.7% |
| Noncurrent loans (share of loans) | 0.34% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 71.6% |
| Real estate loans (share of loans) | 95.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $242.75M | 95.9% | |
| Commercial & industrial | $1.64M | 0.6% | |
| Consumer / individual | $9.75M | 3.9% | |
| Construction & development | $22.80M | 9.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $317.16M | $283.78M | $1.09M | $28.21M |
| Jun 2023 | $329.88M | $295.12M | $1.39M | $30.47M |
| Jun 2024 | $346.07M | $307.07M | $774.00K | $33.21M |
| Jun 2025 | $373.75M | $334.63M | $1.26M | $36.10M |
| Jun 2026 | $397.06M | $353.50M | $1.81M | $40.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $353.50M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $353.50M.
Similar-sized banks
Southern Heritage Bank ($397.88M) · The Citizens National Bank Of Park Rapids ($397.00M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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