Volunteer Federal Savings Bank
Also written as VFSB
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Data as of · sourced from FFIEC call reports. How we update
Volunteer Federal Savings Bank is an FDIC-insured savings bank headquartered in Madisonville, TN, established in 1973 (FDIC certificate 31694), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $397.1M, up 6.2% from Q2 2025, the 62nd largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 22.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 31694
- Headquarters
- Madisonville, TN
- Established
- 1973
- Total assets, Q2 2026
- $397.1M
- Assets vs Q2 2025
- +6.2%
- CET1 ratio, Q2 2026
- 22.55%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 264271468
- Latest call report
- Q2 2026, FFIEC 051 · Volunteer Federal Savings Bank Q3 2026 call report, filed October 15, 2026 (preliminary)
- Asset rank in state
- 62nd of 109 in Tennessee
Volunteer Federal Savings Bank carries far more capital than most banks of its size. Its balance sheet stood at $397 million at June 30, 2026, up 6.2% from a year earlier; it is based in Madisonville, Tennessee. It holds common equity equal to 22.55% of its risk-weighted assets, higher than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 15.11%). On the other hand, it keeps 3.37 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
Net income for the quarter rose 20% from a year earlier, to $943,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.3 million equal 12% of Tier 1 capital, down from 17% a year earlier.
As of June 30, 2026, Volunteer Federal Savings Bank reported a CET1 capital ratio of 22.55%, a return on assets of 0.95%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 2.08%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Volunteer Federal Savings Bank is the 62nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $397.1M, loans rose 1.2% and deposits fell 0.1%. 1-4 family residential loans made up 81.4% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 9.0%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities in TN; its Madisonville 2 offices book 30% of its branch deposits. On its Q2 2026 call report, Volunteer Federal Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 108 Main St, Madisonville, TN 37354
- County
- Monroe
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1973
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $353.5M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $397.1M
- Average total loans
- $253.2M
- Average interest-bearing deposits
- $286.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31694
- Fed RSSD
- 170275
- Website
- www.volfed.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Volunteer Federal Savings Bank's total assets ran between $334.3M (Q3 2023) and $397.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$397.1M total assets against $373.7M; $356.2M total liabilities against $337.6M.
$253.0M net loans and leases against $237.5M; $353.5M total deposits against $334.6M.
$85.5M securities against $83.0M; $37.8M cash and balances due against $34.2M.
$4.5M total interest income against $4.1M; $1.5M total interest expense against $1.4M.
$3.1M net interest income against $2.7M.
$651K total noninterest income against $601K; $2.6M total noninterest expense against $2.2M.
-$103K provision for credit losses against $0.
$943K net income against $785K.
0.95% return on assets against 0.86%; 3.37% net interest margin against 3.08%.
22.55% CET1 capital ratio against 21.16%; 11.23% tier 1 leverage ratio against 11.18%.
Inside the full Volunteer Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeVolunteer Federal Savings Bank rankings
Its closest position to the top of a national ranking is 230 of 2,134, for CET1 ratio; its furthest is 2,706 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.41% (Q3 2024) to 1.01% (Q3 2025) and its net interest margin ran from 2.81% (Q3 2024) to 3.37% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.55% | 0.95% | 0.34% | 2.08% | 3.37% |
| Q1 2026 | 22.13% | 0.90% | 0.35% | 2.14% | 3.26% |
| Q4 2025 | 22.26% | 0.90% | 0.35% | 2.16% | 3.29% |
| Q3 2025 | 21.60% | 1.01% | 0.36% | 2.21% | 3.18% |
| Q2 2025 | 21.16% | 0.86% | 0.28% | 1.81% | 3.08% |
| Q1 2025 | 21.30% | 0.53% | 0.26% | 1.63% | 3.05% |
| Q4 2024 | 21.90% | 0.57% | 0.27% | 1.70% | 2.97% |
| Q3 2024 | 21.90% | 0.41% | 0.28% | 1.73% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Volunteer Federal Savings Bank (main office) | Madisonville , TN | 37354 | $101.7M |
| Vonore Branch | Vonore , TN | 37885 | $79.1M |
| Tellico Plains Branch | Tellico Plains , TN | 37385 | $74.1M |
| Sweetwater Branch | Sweetwater , TN | 37874 | $57.9M |
| Sweetwater Hwy 68 Branch | Sweetwater , TN | 37874 | $35.6M |
| Madisonville Hwy 68 Branch | Madisonville , TN | 37354 | $5.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TN, rank 85 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Volunteer Federal Savings Bank
What are Volunteer Federal Savings Bank's total assets?
As of the Q2 2026 filing, Volunteer Federal Savings Bank reported total assets of $397.1 million in its FFIEC call report.
Where is Volunteer Federal Savings Bank headquartered?
It is headquartered in Madisonville, TN, United States.
When was Volunteer Federal Savings Bank founded?
It was established in 1973, per the FDIC institution directory.
Is Volunteer Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #31694). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Volunteer Federal Savings Bank?
Volunteer Federal Savings Bank's primary federal regulator is the FDIC.
What is Volunteer Federal Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Volunteer Federal Savings Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Volunteer Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 2.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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