FDIC Cert #31694 · Madisonville, Tennessee · Est. 1973

Volunteer Federal Savings Bank - FDIC Bank Health Profile

A community-scale look at Volunteer Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$387M
Total assets
B
Health grade · Good
0.82%
Return on assets
22.3%
Tier 1 capital

Data updated July 2026

The verdict

Volunteer Federal Savings Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 22.26% Tier 1, 0.82% ROA, 71% efficiency ratio.

#2,127
largest of 4,313 FDIC banks by assets
51st
percentile by asset size, nationally
22.26%
Tier 1 ratio - above the 10% well-capitalized line
31st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 31694 · TN B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2205/4307
  • PHOTO-FINISH Interamerican Bank,… · FL
  • TIER1-WELL 22.3% Tier 1
  • TEXAS-CLEAN 2.2% Texas
  • ROA-PAR 0.82% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: Interamerican Bank, A FSB, FL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Volunteer Federal Savings Bank

Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Federal Bank · FL · ne…78/100Interamerican Bank,… · FL · …78/100Progressive Ozark Bank · MO …78/100Security Federal Bank · SC ·…78/100Volunteer Federal Sa… · TN ·…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Volunteer Federal Savings Bank · July 2026

What Volunteer Federal Savings Bank's Call Report plate shows

Volunteer Federal Savings Bank (FDIC Cert #31694) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,205 of 4,307. Tier 1 capital prints at 22.26%, clearing the 10% well-capitalized line. The Texas Ratio is 2.16%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.82%. Balance-sheet scale is $387M, 2,127th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Interamerican Bank, A FSB (FL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Volunteer Federal Savings Bank

7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)

Volunteer Federal Savings Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Volunteer Federal Savings Bank remains an active FDIC-insured reporter.

  • TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
  • COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
  • MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.

How Volunteer Federal Savings Bank's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
Volunteer Federal Savings Bank's composite health score
Tier 1 Capital Ratio (22.26%) 40/40
Return on Assets (ROA) (0.82%) 14/25
Texas Ratio (2.16%) 20/20
Efficiency Ratio (70.71%) 4/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$387M

Total balance-sheet footings

Total Deposits

$345M

Customer-funded liabilities

Net Loans

$247M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 20.86% 22.26% 23.66%
Basel III capital ratios - Volunteer Federal Savings Bank

Where Volunteer Federal Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Volunteer Federal Savings Bank's score of 78/100 falls in the highlighted band.

Volunteer Federal Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 49th percentile higher than 49% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Volunteer Federal Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Volunteer Federal Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Volunteer Federal Savings Bank's $387M falls in the highlighted band.

Safety ratios for Volunteer Federal Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

22.26% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
22.26%
Texas Ratio
2.16%
Equity Capital
$39M

What these ratios mean →

Profitability metrics: Volunteer Federal Savings Bank

Return on Assets (ROA)
31st percentile nationally
0.82%
Return on Equity (ROE)
8.34%
Efficiency Ratio
70.71%

What these mean →

Income & expense at Volunteer Federal Savings Bank

$17M
Interest Income
$3M
Non-Interest Income
$10M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Volunteer Federal Savings Bank reports a Texas Ratio of 2.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Volunteer Federal Savings Bank on FDIC BankFind →

Top banks in Tennessee by total assets

Largest banks headquartered in Tennessee
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  3. 3
    FirstBank $16.3B

    Nashville, TN · Grade B

  4. 4
    Wilson Bank and Trust $5.9B

    Lebanon, TN · Grade A

  5. 5
    SmartBank $5.9B

    Pigeon Forge, TN · Grade B

Top 5 banks in Tennessee ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($387M here), outside Tennessee so the neighborhood is not state containment.

Lincoln FSB of Nebraska $388M · NE Community State Bank $388M · IL The Libertyville Savings Bank $388M · IA Fox Valley Savings Bank $388M · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Volunteer Federal Savings Bank (FDIC Cert #31694) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Volunteer Federal Savings Bank Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Tennessee

All Tennessee banks →
BankAssetsGradeROA
First Horizon BankMemphis $83.6B B 1.35%
Pinnacle BankNashville $57.6B A 1.25%
FirstBankNashville $16.3B B 0.89%
Wilson Bank and TrustLebanon $5.9B A 1.38%
SmartBankPigeon Forge $5.9B B 1.00%
SouthEast BankFarragut $3.5B C 0.68%
Home Federal Bank of TennesseeKnoxville $2.7B C 0.21%
Builtwell BankChattanooga $2.3B A 2.07%