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Volunteer Federal Savings Bank

Madisonville, TN · Cert 31694

SI · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

69

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

44

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Volunteer Federal Savings Bank

Madisonville, TN · Cert 31694

SI · FDIC · 6 branches

Q2 2026

$397.1MAssets
$254.2MLoans
$353.5MDeposits
$40.8MEquity
Loan mix
95%RE $239.7M1%C&I $1.7M4%Consumer $9.8MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $290.6M18%Noninterest $62.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.92%, up 23 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.34% of loans (+6 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.23%, up 6 bps from a year ago.
  • Funding: loans stand at 71.91% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.92%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+27 bps YoY

Efficiency Ratio (YTD, annualized)

69.96%-255 bps YoY

Tier 1 Leverage Ratio

11.23%+6 bps YoY

NIM

4.03%Q2 ’244.34%Q2 ’254.49%Q2 ’26+12%+10%

Non-interest income vs. expense

2.47%Q2 ’242.48%Q2 ’252.58%Q2 ’26-4%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.47%0.53%0.69%0.80%0.82%0.89%0.92%+23 bps
Return on Equity4.49%4.86%5.48%7.16%8.17%8.34%8.83%9.08%+192 bps
Net Interest Margin2.50%2.51%2.73%2.78%2.81%2.85%3.06%3.05%+27 bps
Efficiency Ratio81.27%79.18%76.39%72.51%70.25%70.71%69.22%69.96%-255 bps
Non-Interest Burden1.93%1.87%1.93%1.84%1.76%1.81%1.93%1.95%+10 bps
Growth
Asset Growth (YoY)5.55%2.57%5.90%8.00%6.56%8.47%9.04%6.24%-176 bps
Loan Growth (YoY)12.90%11.47%12.02%10.17%9.79%9.65%8.00%6.45%-371 bps
Deposit Growth (YoY)4.71%6.77%7.40%8.98%6.51%7.86%8.76%5.64%-334 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.27%0.26%0.28%0.36%0.35%0.35%0.34%+6 bps
Net Charge-Offs / Loans0.01%0.01%0.02%0.01%0.00%0.01%0.00%0.01%0 bps
Allowance / Loans0.47%0.52%0.55%0.54%0.57%0.51%0.51%0.46%-7 bps
Allowance Coverage of NPLs1.7x2.0x2.1x1.9x1.6x1.5x1.5x1.3x-0.5x
Capital
Tier 1 Leverage Ratio11.34%11.22%11.22%11.18%11.22%11.26%11.22%11.23%+6 bps
Total Risk-Based Capital22.47%22.55%22.00%21.84%22.34%22.95%22.80%23.17%+133 bps
Equity / Assets9.95%9.59%9.70%9.66%10.18%10.18%9.99%10.29%+63 bps
Liquidity & Funding
Loans / Deposits70.27%70.72%71.54%71.36%72.44%71.90%71.05%71.91%+55 bps
Liquid Assets / Assets11.89%11.37%10.94%11.40%10.43%11.56%12.23%10.52%-87 bps
CRE / Total Capitaln/an/an/an/a83.61%82.11%84.34%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Volunteer Federal Savings Bank

Madisonville, TN · Cert 31694 · Peer group: banks under $1B in assets (n=581-629)

SI · FDIC · 6 branches

Q2 2026

$397.1MAssets
$254.2MLoans
$353.5MDeposits
$40.8MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 81% of banks under $1B in assets (rank 117 of 629).
  • Widest gap: net interest margin trails 74% of banks under $1B in assets (rank 467 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.91%

Rank 364 of 629

Net Interest Margin

3.05%

Rank 467 of 629

Efficiency Ratio

69.96%

Rank 354 of 629

Equity / Assets

10.29%

Rank 354 of 629

Non-interest income vs. expense

$2.5M$10.2MINCOMEEXPENSE
Unfavorable gap of $7.7M · efficiency ratio beats 44% of banks under $1B in assets
Bank 69.96%Peer median 67.8%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.91%0.60%1.01%1.45%Beats 42%364 / 629
Return on Equity8.89%5.38%9.30%13.28%Beats 46%339 / 629
Net Interest Margin3.05%3.03%3.54%4.05%Beats 26%467 / 629
Efficiency Ratio69.96%58.35%67.79%79.08%Beats 44%354 / 629
Asset Quality
Nonperforming Loans / Loans0.34%0.09%0.46%1.20%Beats 56%257 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 61%225 / 581
Capital
Tier 1 Capital Ratio22.55%11.24%13.84%18.77%Beats 81%117 / 629
Total Risk-Based Capital Ratio23.17%11.58%14.43%19.66%Beats 81%118 / 629
Equity / Assets10.29%9.09%10.65%13.80%Beats 44%354 / 629
Liquidity & Funding
Loans / Deposits71.91%67.24%80.90%93.48%33rd pctl397 / 594
Loans / Assets64.02%53.31%67.71%78.15%43rd pctl359 / 629
Brokered Deposits / Depositsn/aNot reported for this institution