BlastPoint's Banking Scorecard
Volunteer Federal Savings Bank
Micro
Specialty: Mortgage
TN
FDIC cert 31694
Designations: ✓ Community bank ✓ Mutual
Madisonville, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Volunteer Federal Savings Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$387.5M
+8.5% YoY
+3.1% QoQ
|
+$170.0M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$246.6M
+9.7% YoY
+2.3% QoQ
|
+$107.4M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$344.7M
+7.9% YoY
+3.0% QoQ
|
+$161.1M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
0.82%
+75.7% YoY
+2.9% QoQ
|
-0.26% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.11%
+14.4% YoY
+1.7% QoQ
|
-0.75% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
70.71%
-10.7% YoY
+0.7% QoQ
|
+2.98% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.36%
+33.4% YoY
-1.9% QoQ
|
-0.28% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
71.53%
+1.7% YoY
-0.7% QoQ
|
-3.00% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
17.43%
+1.9% YoY
+1.1% QoQ
|
-4.96% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.23%
+34.8% YoY
-2.6% QoQ
|
-0.23% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
22.26%
+1.6% YoY
+3.0% QoQ
|
+13.41% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.68%
+23.8% YoY
+24.7% QoQ
|
+0.11% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Tier 1 Capital Ratio
Current: 22.26% · Tier avg: 8.85%
89
89th pctile
Total Deposits
Current: $344.7M · Tier avg: $183.7M
86
86th pctile
Total Assets
Current: $387.5M · Tier avg: $217.5M
84
84th pctile
Total Loans
Current: $246.6M · Tier avg: $139.2M
82
82th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.56%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.53% · Tier avg: 74.53%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
38
38th pctile
Efficiency Ratio
Current: 70.71% · Tier avg: 67.73%
35
35th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.43% · Tier avg: 22.39%
19
19th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.85%
Top Weaknesses
19
19th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.85%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.43% · Tier avg: 22.39%
35
35th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
38
38th pctile
Efficiency Ratio
Current: 70.71% · Tier avg: 67.73%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.53% · Tier avg: 74.53%
82
82th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.56%
84
84th pctile
Total Loans
Current: $246.6M · Tier avg: $139.2M
86
86th pctile
Total Assets
Current: $387.5M · Tier avg: $217.5M
89
89th pctile
Total Deposits
Current: $344.7M · Tier avg: $183.7M
90
90th pctile
Tier 1 Capital Ratio
Current: 22.26% · Tier avg: 8.85%