TellerScore

Volunteer Federal Savings Bank (FDIC certificate #31694) is based in Madisonville, Tennessee. Its Q2 2026 call report shows $397.1M in total assets and $353.5M in deposits and 6 offices.

Volunteer Federal Savings Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 37th. Problem-loan coverage contributes the most (96/100, 2.1%); earnings contributes the least (57/100, 0.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.23%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.34%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity89/100
Loans ÷ deposits and uninsured-deposit share: 71.6% · 14.7% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.08%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 75).

TellerScore
727475Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202472
Q4 202472
Q1 202573
Q2 202574
Q3 202574
Q4 202574
Q1 202675
Q2 202675
Tier 1 leverage ratio
5.00%8.17%11.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.30%
Q3 202411.34%
Q4 202411.22%
Q1 202511.22%
Q2 202511.18%
Q3 202511.22%
Q4 202511.26%
Q1 202611.22%
Q2 202611.23%
Noncurrent loans
0.14%0.25%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.14%
Q3 20240.28%
Q4 20240.27%
Q1 20250.26%
Q2 20250.28%
Q3 20250.36%
Q4 20250.35%
Q1 20260.35%
Q2 20260.34%
Return on assets
0.43%0.68%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.45%
Q3 20240.43%
Q4 20240.47%
Q1 20250.53%
Q2 20250.69%
Q3 20250.80%
Q4 20250.82%
Q1 20260.89%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$397.1M11.23%0.34%0.92%71.6%
Q1 202675$396.2M11.22%0.35%0.89%70.7%
Q4 202574$387.5M11.26%0.35%0.82%71.5%
Q3 202574$376.0M11.22%0.36%0.80%72.0%
Q2 202574$373.7M11.18%0.28%0.69%71.0%
Q1 202573$363.3M11.22%0.26%0.53%71.1%
Q4 202472$357.3M11.22%0.27%0.47%70.3%
Q3 202472$352.8M11.34%0.28%0.43%69.9%
Q2 202474$346.1M11.30%0.14%0.45%70.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.23%
54th
Total risk-based capital23.17%
91st
Problem loans0.34%
54th
Net charge-offs0.01%
50th
Return on assets0.92%
30th
Net interest margin3.28%
19th
Efficiency ratio70.0%
30th
Loans to deposits71.6%
67th
Uninsured deposits14.7%
83rd
Loan-loss reserves0.46%
3rd
Texas ratio2.1%
57th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Security Federal Savings Bank of McMinnvilleBank Mcminnville, TN80 out of 100, Strong$386.0M11.9%0.00%vs
RockPointBank, National AssociationBank Chattanooga, TN68 out of 100, Moderate$384.5M12.1%0.13%vs
Bank of FrankewingBank Frankewing, TN41 out of 100, Below average$413.1M11.3%6.25%vs
First Vision Bank of TennesseeBank Tullahoma, TN77 out of 100, Strong$414.2M12.4%0.08%vs
Heritage Bank & TrustBank Columbia, TN65 out of 100, Moderate$417.8M8.5%0.36%vs
Tower Community BankBank Jasper, TN70 out of 100, Strong$375.4M10.4%0.43%vs

Deposit insurance

Is my money safe at Volunteer Federal Savings Bank?

Yes. Volunteer Federal Savings Bank is an FDIC-insured institution (FDIC certificate #31694). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.7% of deposits ($51.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.17% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Volunteer Federal Savings Bank lists 5 offices in 4 cities. Most locations:

  • Sweetwater, TN (2)
  • Madisonville, TN (1)
  • Tellico Plains, TN (1)
  • Vonore, TN (1)

All branch addresses and map

Identity & history

Profile

Legal name
Volunteer Federal Savings Bank
Former names
Volunteer Federal Savings and Loan Association of Madisonville
Type
SI
FDIC certificate #
31694
RSSD ID
170275
Primary regulator
FDIC
Established
January 1, 1973
Headquarters
108 Main St, Madisonville, TN 37354
Employees
81

Quick answers

Volunteer Federal Savings Bank: common questions

Is Volunteer Federal Savings Bank FDIC insured?

Yes. Volunteer Federal Savings Bank is an FDIC-insured institution (FDIC certificate #31694). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Volunteer Federal Savings Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Volunteer Federal Savings Bank ever failed?

There is no failure record for FDIC certificate #31694 in the FDIC failed bank list.

How many branches does Volunteer Federal Savings Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Madisonville

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Alcoa Municipal Employees Federal Credit UnionCredit union Alcoa, TN94 out of 100, Very strong$4.5M18.9%0.00%vs
Maryville Municipal Credit UnionCredit union Maryville, TN89 out of 100, Very strong$23.2M16.8%0.45%vs
CBBC BankBank Maryville, TN89 out of 100, Very strong$562.1M14.2%0.01%vs
Alcoa Tenn Federal Credit UnionCredit union Alcoa, TN84 out of 100, Strong$426.9M13.9%1.05%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs