Side-by-side · Q2 2026 data
Tower Community Bank vs Volunteer Federal Savings Bank
Metric by metric
| Measure | Tower Community Bank | Volunteer Federal Savings Bank |
|---|---|---|
| TellerScore | 70 | 75 (stronger) |
| Capital cushion | 54 | 62 (stronger) |
| Loan quality | 86 | 89 (stronger) |
| Earnings | 67 (stronger) | 57 |
| Funding & liquidity | 64 | 89 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 43rd | 61st |
| Total assets | $375.4M | $397.1M |
| Deposits / shares | $329.3M | $353.5M |
| Capital ratio | 10.43% | 11.23% (stronger) |
| Problem loans | 0.43% | 0.34% (stronger) |
| Net charge-offs | 0.07% | 0.01% (stronger) |
| Return on assets | 1.19% (stronger) | 0.92% |
| Loans ÷ deposits | 85.2% | 71.6% (stronger) |
| Uninsured deposits | 25.5% | 14.7% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | — |
Volunteer Federal Savings Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Tower Community Bank leads on 1 and Volunteer Federal Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.