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
Unfavorable gap of $7.7M · efficiency ratio beats 44% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.60% | 1.01% | 1.45% | Beats 42% | 364 / 629 | |
| Return on Equity | 8.89% | 5.38% | 9.30% | 13.28% | Beats 46% | 339 / 629 | |
| Net Interest Margin | 3.05% | 3.03% | 3.54% | 4.05% | Beats 26% | 467 / 629 | |
| Efficiency Ratio | 69.96% | 58.35% | 67.79% | 79.08% | Beats 44% | 354 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.09% | 0.46% | 1.20% | Beats 56% | 257 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 61% | 225 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 22.55% | 11.24% | 13.84% | 18.77% | Beats 81% | 117 / 629 | |
| Total Risk-Based Capital Ratio | 23.17% | 11.58% | 14.43% | 19.66% | Beats 81% | 118 / 629 | |
| Equity / Assets | 10.29% | 9.09% | 10.65% | 13.80% | Beats 44% | 354 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 71.91% | 67.24% | 80.90% | 93.48% | 33rd pctl | 397 / 594 | |
| Loans / Assets | 64.02% | 53.31% | 67.71% | 78.15% | 43rd pctl | 359 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |