Side-by-side · Q2 2026 data
Volunteer Federal Savings Bank vs Heritage Bank & Trust
Metric by metric
| Measure | Volunteer Federal Savings Bank | Heritage Bank & Trust |
|---|---|---|
| TellerScore | 75 (stronger) | 65 |
| Capital cushion | 62 (stronger) | 35 |
| Loan quality | 89 (stronger) | 88 |
| Earnings | 57 | 71 (stronger) |
| Funding & liquidity | 89 (stronger) | 64 |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 61st | 29th |
| Total assets | $397.1M | $417.8M |
| Deposits / shares | $353.5M | $377.3M |
| Capital ratio | 11.23% (stronger) | 8.48% |
| Problem loans | 0.34% (stronger) | 0.36% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.92% | 1.28% (stronger) |
| Loans ÷ deposits | 71.6% (stronger) | 93.7% |
| Uninsured deposits | 14.7% (stronger) | 17.5% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Volunteer Federal Savings Bank has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Volunteer Federal Savings Bank leads on 5 and Heritage Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.