Volunteer Federal Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 7.50 percentage points in Q2 2026, from 67.12% to 59.62%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Volunteer Federal Savings Bank is 82nd of 109 on loan-to-deposit ratio, 71.91% as of Q2 2026, below the middle of the field. Volunteer Federal Savings Bank reported 71.91% on loan-to-deposit ratio for Q2 2026, 8.92 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $254.2M |
| Net loans and leases | $253.0M |
| Loans held for sale | $0 |
| Loans to total assets | 64.02% |
| Loan-to-deposit ratio | 71.91% |
| Net loans to equity capital | 6.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.73% |
| Multifamily (5+ residential) | 0.08% |
| Commercial and industrial | 0.65% |
| Consumer | 3.83% |
| Credit cards | 0.12% |
| Farm | 0.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 59.62% |
| Construction concentration (Tier 1 capital + allowance) | 49.80% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.66% |
| Interest income on loans | $3.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $195.6M | $300.2M | 3.20% | 0.76% | 5.04% |
| Q4 2023 | $202.8M | $299.4M | 3.01% | 0.72% | 4.77% |
| Q1 2024 | $207.7M | $302.8M | 2.88% | 0.78% | 4.66% |
| Q2 2024 | $216.8M | $307.1M | 2.61% | 1.21% | 4.61% |
| Q3 2024 | $220.9M | $314.3M | 2.66% | 1.23% | 4.48% |
| Q4 2024 | $226.0M | $319.6M | 2.43% | 0.88% | 4.39% |
| Q1 2025 | $232.7M | $325.2M | 3.24% | 0.63% | 4.10% |
| Q2 2025 | $238.8M | $334.6M | 3.12% | 0.68% | 4.01% |
| Q3 2025 | $242.5M | $334.8M | 2.95% | 0.63% | 3.77% |
| Q4 2025 | $247.9M | $344.7M | 4.21% | 0.67% | 3.78% |
| Q1 2026 | $251.3M | $353.7M | 4.38% | 0.69% | 3.89% |
| Q2 2026 | $254.2M | $353.5M | 4.73% | 0.65% | 3.83% |
Volunteer Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Volunteer Federal Savings Bank, freeSource: Call Report Schedule RC-C, 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)