VOLUNTEER FEDERAL SAVINGS BANK

MADISONVILLE, TN | Small | Est. Jan. 1, 1973, midnight | FDIC #31694 | RSSD #170275 | FDIC
Latest Report: 2025-12-31

VOLUNTEER FEDERAL SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in MADISONVILLE, TN, established in Jan. 1, 1973, midnight. As of 2025-12-31, the bank reported total assets of $387M and total deposits of $345M. Profitability stands at 0.89% ROA and 8.79% ROE, with a net interest margin of 3.34%. The bank's CET1 capital ratio is 22.26%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #31694.

Assets

$387M

Deposits

$345M

Loans

$248M

Equity

$39M

Profitability

Return on Assets (ROA) 0.89%
Return on Equity (ROE) 8.79%
Net Interest Margin (NIM) 3.34%
Yield on Assets 4.98%
Cost of Funds 1.69%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.51%

Capital & Liquidity

CET1 Ratio 22.26%
Tier 1 Capital 22.26%
Total Capital Ratio 22.95%
Leverage Ratio 11.26%
Loan-to-Deposit 71.90%

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