Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Madisonville, TN · FDIC certificate #31694
VOLUNTEER FSB is an FDIC-insured institution based in Madisonville, TN (FDIC certificate #31694). In its Q3 2026 Call Report it reported total assets of $397M, total deposits of $354M and net loans of $262M. Its primary federal regulator is FDIC.
Plain-language readout
VOLUNTEER FSB has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $397M in Q2 2026 and were lowest at $396M in Q1 2026.
Total deposits were highest at $354M in Q3 2026 and lowest at $353M in Q2 2026.
Over the whole period total assets rose 0.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $397M | $354M | $262M | 0.93% | 9.18% | 3.32% |
| Q2 2026 | $397M | $353M | $253M | 0.92% | 9.08% | 3.28% |
| Q1 2026 | $396M | $354M | $250M | 0.89% | 8.83% | 3.23% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $37.8M | $43.0M | -$5.2M | -12.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $85.5M | $84.1M | +$1.3M | +1.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $253.0M | $250.0M | +$3.0M | +1.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.2M | $5.3M | -$87K | -1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $135K | $137K | -$2K | -1.5% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $15.5M | $13.6M | +$1.9M | +13.6% |
| Total assets | $397.1M | $396.2M | +$906K | +0.2% |
| Liabilities | ||||
| Total deposits | $353.5M | $353.7M | -$227K | -0.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $514K | $650K | -$136K | -20.9% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.2M | $2.2M | +$3K | +0.1% |
| Total liabilities | $356.2M | $356.6M | -$360K | -0.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $44.6M | $43.7M | +$942K | +2.2% |
| Accumulated other comprehensive income | -$3.8M | -$4.1M | +$324K | +7.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $40.8M | $39.6M | +$1.3M | +3.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $873K | $875K | -$2K | -0.2% |
| Adjusted nonperforming assets | $873K | $875K | -$2K | -0.2% |
| Tangible equity plus allowance | $42.0M | $40.9M | +$1.2M | +2.9% |
| Texas ratio (gross) | 2.08% | 2.14% | -0.06 pts | See points |
| Texas ratio (adjusted) | 2.08% | 2.14% | -0.06 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.92% | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 22.55% | 22.13% | +0.43 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 22.55% | 22.13% | +0.43 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.62% | 0.67% | -0.06 pts | See points |
| Total risk-based capital to risk-weighted assets | 23.17% | 22.80% | +0.37 pts | See points |
| Tier 1 leverage (approximate) | 11.23% | 11.22% | +0.01 pts | See points |
| Construction and land loans to total capital | 49.76% | 56.93% | -7.17 pts | See points |
| Commercial real estate to total capital | 55.98% | 63.17% | -7.19 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -11.94% | -13.43% | +1.49 pts | See points |
| Liquidity | ||||
| Core deposits | $317.0M | $316.9M | +$96K | +0.0% |
| Non-core funding | $37.0M | $37.4M | -$459K | -1.2% |
| Loans to core deposits | 80.19% | 79.29% | +0.89 pts | See points |
| Loans to deposits | 71.91% | 71.05% | +0.87 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 35.71% | 35.98% | -0.27 pts | See points |
| Loans pledged, share of loans | 68.99% | 68.52% | +0.47 pts | See points |
| Volatile liabilities | $37.0M | $37.4M | -$459K | -1.2% |
| Earnings | ||||
| Earnings before provision, year to date | $2.2M | $1.1M | +$1.1M | +99.5% |
| Earnings before provision, single quarter | $1.1M | $1.1M | -$5K | -0.5% |
| Provision for credit losses, year to date | -$103K | $0K | -$103K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.66% | 5.56% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.79% | 3.27% | +0.52 pts | See points |
| Total interest income to average assets | 4.57% | 4.51% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 0.56% | 0.50% | +0.06 pts | See points |
| Cost of savings and money market deposits | 1.33% | 1.25% | +0.08 pts | See points |
| Cost of time deposits | 3.35% | 3.32% | +0.03 pts | See points |
| Total interest expense to average assets | 1.46% | 1.45% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $397M | $354M | $262M | 0.93% | 9.18% | 3.32% |
| 2026-06-30 | $397M | $353M | $253M | 0.92% | 9.08% | 3.28% |
| 2026-03-31 | $396M | $354M | $250M | 0.89% | 8.83% | 3.23% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $334.6M | 0.14% | 89 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.