VOLUNTEER FEDERAL SAVINGS BANK

MADISONVILLE, TN · Supervised by FDIC

Est. 1973FDIC #31,694RSSD: FDIC-31694

Satisfactory Same

Current rating · Exam: April 2021

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.89%

Institution Profile

FDIC BankFind

Website

www.volfed.com

Address

108 Main St, MADISONVILLE, TN

County

Monroe County

Established

January 1, 1973

Total Assets

$396M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2021

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$396M

Total Deposits

$354M

Net Loans

$250M

Net Income

$872K

ROA

0.89%

ROE

8.83%

Risk-Based Capital

22.80%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$335M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	447	78.52%	13.20%
2023	572	79.2%	11.19%
2022	737	83.99%	7.19%
2021	288	78.13%	7.29%
2020	260	79.62%	8.08%
2019	256	75.78%	8.20%
2018	219	88.13%	5.02%

2024 national avg denial rate: 23.75% · above-average shown in red

Rating History

CRA / FFIEC

1 previous rating locked — dating back to 2015

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/c58b1906-9d8e-4c57-9fa8-7f209a3adbac"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: