Volunteer Federal Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 7.9% in Q2 2026, from -$4.1M to -$3.8M. It was the largest change from Q1 2026 among the key lines here. Among 71 Tennessee banks, Volunteer Federal Savings Bank sits 5th from the top on CET1 ratio, 22.55% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Volunteer Federal Savings Bank sits 7.48 points higher, at 22.55% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.55% |
| Tier 1 risk-based capital ratio | 22.55% |
| Total risk-based capital ratio | 23.17% |
| Tier 1 leverage ratio | 11.23% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $44.6M |
| Tier 1 capital | $44.6M |
| Total risk-based capital | $45.8M |
| Total equity capital | $40.8M |
| Risk-weighted assets | $197.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.29% |
| Tangible equity to tangible assets | 10.29% |
| Equity capital to average assets | 10.29% |
| Internal capital growth rate | 9.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $44.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 22.69% | 22.69% | 23.20% | 11.39% | $165.6M |
| Q4 2023 | 22.74% | 22.74% | 23.27% | 11.31% | $167.5M |
| Q1 2024 | 22.63% | 22.63% | 23.17% | 11.22% | $169.9M |
| Q2 2024 | 22.18% | 22.18% | 22.72% | 11.30% | $175.2M |
| Q3 2024 | 21.90% | 21.90% | 22.47% | 11.34% | $179.2M |
| Q4 2024 | 21.90% | 21.90% | 22.55% | 11.22% | $181.4M |
| Q1 2025 | 21.30% | 21.30% | 22.00% | 11.22% | $188.8M |
| Q2 2025 | 21.16% | 21.16% | 21.84% | 11.18% | $193.8M |
| Q3 2025 | 21.60% | 21.60% | 22.34% | 11.22% | $194.2M |
| Q4 2025 | 22.26% | 22.26% | 22.95% | 11.26% | $192.3M |
| Q1 2026 | 22.13% | 22.13% | 22.80% | 11.22% | $197.4M |
| Q2 2026 | 22.55% | 22.55% | 23.17% | 11.23% | $197.8M |
Volunteer Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Volunteer Federal Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Volunteer Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31694) · FFIEC NIC profile (RSSD 170275)