Volunteer Federal Savings Bank
Madisonville, TN
IDRSSD: 170275
Total Assets
$387.50M
Latest filing
Total Deposits
$344.73M
Latest filing
Net Interest Margin
3.27%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
264271468MADISONVILLE, TN
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Volunteer Federal Savings Bank
108 Main St
Madisonville, TN 37354
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1973FDIC Certificate 44528
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Volunteer Federal Savings Bank (Main) | 108 Main St | Madisonville, TN |
| TELLICO PLAINS BRANCH | 111 Cherohala Skwy | Tellico Plains, TN |
| VONORE BRANCH | 1111 Highway 411 | Vonore, TN |
| SWEETWATER BRANCH | 415 Sweetwater Vonore Rd | Sweetwater, TN |
| MADISONVILLE HWY 68 BRANCH | 4650 New Highway 68 | Madisonville, TN |
| SWEETWATER HWY 68 BRANCH | 906 New Highway 68 | Sweetwater, TN |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1973 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 37354 |
| State and County Number | 47123 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 76 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.volfed.com |
| Data Updated | 01/30/2026 |
| CERT | 31694 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $387.50M |
| Total Deposits | $344.73M |
| Total Liabilities | $348.06M |
| Total Equity Capital | $39.44M |
| Net Income | $854.00k |
| Net Loans and Leases | $246.58M |
| Assets Per Employee ($Millions) | $5.03M |
| Bank Premises and Fixed Assets | $5.31M |
| Cash and Balances due from Depository Institutions | $38.47M |
| Deposits Held in Domestic Offices | $344.73M |
Key Performance Ratios
| Return on Assets (ROA) | 0.89% |
| Return on Equity (ROE) | 8.79% |
| Net Interest Margin | 3.27% |
| Efficiency Ratio | 72.01% |
| Tier 1 Risk-Based Capital Ratio | 22.258% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.178% |
| Earning Assets to total Assets | 94.08% |
Income and Expense
| Total Interest Income | $4.37M |
| Total Noninterest Income | $581.00k |
| Total Interest Expense | $1.44M |
| Total Noninterest Expense | $2.53M |
| Net Interest Income | $2.93M |
| Pre-tax Net Operating Income | $1.09M |
| Provision for Credit Losses | $-103,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $786.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.54M |
| Total Liabilities and Capital | $387.50M |
Securities
| Securities | $84.01M |
| Available-for-sale debt securities | $73.16M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $10.86M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Volunteer Federal Savings Bank?
$387.50M as of the latest filing.
How much are Volunteer Federal Savings Bank's total deposits?
$344.73M in total deposits.
Where is Volunteer Federal Savings Bank located?
Madisonville, TN.
What is the Net Interest Margin?
3.27%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1973.
What is the Return on Assets (ROA)?
0.89%.
How much are total loans and leases?
$246.58M (latest filing).
What is the total interest income (latest filing)?
$4.37M.