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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 $9.8MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $290.6M18%Noninterest $62.9MQ2 2025Q2 2026

NIM

4.11%Q2 ’244.47%Q2 ’254.57%Q2 ’26+14%+7%

Non-interest income vs. expense

2.48%Q2 ’242.45%Q2 ’252.66%Q2 ’26-6%+12%

Executive Summary

  • Earnings: ROA of 0.95%, up 10 bps year over year; NIM at 3.11%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.95%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.11%+21 bps YoY

Efficiency Ratio (quarter, annualized)

70.66%+176 bps YoY

Tier 1 Leverage Ratio

11.23%+6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%1.01%0.89%0.89%0.95%+10 bps
Return on Equity8.80%10.14%8.79%8.83%9.38%+58 bps
Net Interest Margin2.90%2.98%3.09%3.06%3.11%+21 bps
Efficiency Ratio68.91%66.37%72.01%69.22%70.66%+176 bps
Non-Interest Burden1.79%1.67%2.05%1.93%2.00%+21 bps
Growth
Asset Growth (YoY)8.00%6.56%8.47%9.04%6.24%-176 bps
Loan Growth (YoY)10.17%9.79%9.65%8.00%6.45%-371 bps
Deposit Growth (YoY)8.98%6.51%7.86%8.76%5.64%-334 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.36%0.35%0.35%0.34%+6 bps
Net Charge-Offs / Loans-0.01%0.00%0.01%0.00%0.01%+1 bps
Allowance / Loans0.54%0.57%0.51%0.51%0.46%-7 bps
Allowance Coverage of NPLs1.9x1.6x1.5x1.5x1.3x-0.5x
Capital
Tier 1 Leverage Ratio11.18%11.22%11.26%11.22%11.23%+6 bps
Total Risk-Based Capital21.84%22.34%22.95%22.80%23.17%+133 bps
Equity / Assets9.66%10.18%10.18%9.99%10.29%+63 bps
Liquidity & Funding
Loans / Deposits71.36%72.44%71.90%71.05%71.91%+55 bps
Liquid Assets / Assets11.40%10.43%11.56%12.23%10.52%-87 bps
CRE / Total Capitaln/a83.61%82.11%84.34%n/an/a