Volunteer Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Volunteer Federal Savings Bank of Madisonville, TN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.95% | 1.34% | -0.39% | 30th below |
| ROAE | 9.38% | 13.32% | -3.94% | 32nd below |
| Net Interest Margin | 3.37% | 3.93% | -0.56% | 22nd bottom |
| Efficiency Ratio | 69.51% | 61.14% | +8.37% | 29th below |
| PPNR / Avg Assets | 1.10% | 1.68% | -0.58% | 25th below |
| Yield on Earning Assets | 4.92% | 5.67% | -0.75% | 20th bottom |
| Cost of Funds | 1.66% | 1.88% | -0.22% | 59th above |
| Net Interest Spread | 2.92% | 3.32% | -0.40% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.94% | -0.80% | 69th above |
| NPA / Total Assets | 0.09% | 0.70% | -0.61% | 71st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 41st below |
| ACL / Total Loans | 0.46% | 1.28% | -0.82% | 2nd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 332.49% | 1539.18% | -1206.69% | 62nd above |
| Texas Ratio | 2.92% | 7.33% | -4.41% | 54th above |
| Provision / NCO | -1137.50% | 1396.97% | -2534.47% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.55% | 19.50% | +3.05% | 84th top |
| Tier 1 Ratio | 22.55% | 19.53% | +3.02% | 84th top |
| Total Capital Ratio | 23.17% | 20.62% | +2.55% | 82nd top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.23% | 12.14% | -0.91% | 54th above |
| Equity / Assets | 10.29% | 11.37% | -1.08% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.29% | 11.09% | -0.80% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.91% | 80.64% | -8.73% | 68th above |
| Core Deposit Ratio | 89.69% | 86.86% | +2.83% | 53rd above |
| Wholesale Funding Ratio | 0.13% | 5.04% | -4.91% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.24% | 6.85% | -0.61% | 64th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.45% | 7.90% | -1.45% | 57th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.64% | 6.29% | -0.65% | 61st above |
See Volunteer Federal Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Volunteer Federal Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Volunteer Federal Savings Bank profile, how to read a UBPR, or how this data updates.