Volunteer State Bank

101 Highway 52 West
Portland, TN 37148

Notable Rates APY Vs.Others
Savings 0.15% 2.60% →
1-Year CD 1.35% 2.25% →
2-Year CD 1.55% 2.50% →
5-Year CD 1.70% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Volunteer State Bank is an FDIC insured institution located in Portland, TN. It was founded in 1977 and has approximately $0.83 billion in assets. Customers can open an account at one of its 10 branches.

FDIC Insured Yes
FDIC Certificate # 22451
Date Established 1977
Assets $0.83 billion
Loans $0.61 billion
Deposits $0.60 billion
Capital $0.13 billion

For a more detailed analysis of Volunteer State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 19, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $1 $24,999 Learn MoreShow Less
Money Market
0.25% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.55% $1,000 - Learn MoreShow Less
6 Mo CD
0.90% $1,000 - Learn MoreShow Less
12 Mo CD
1.35% $1,000 - Learn MoreShow Less
18 Mo CD
1.50% $1,000 - Learn MoreShow Less
24 Mo CD
1.55% $1,000 - Learn MoreShow Less
36 Mo CD
1.60% $1,000 - Learn MoreShow Less
48 Mo CD
1.70% $1,000 - Learn MoreShow Less
60 Mo CD
1.70% $1,000 - Learn MoreShow Less

Fixed IRA
1.35% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.25% $500 - Learn MoreShow Less

Loan Rates - November 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Volunteer State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.530% 3.500% 0.38 $938 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info

Note to Volunteer State Bank
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Financial Details

Volunteer State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Volunteer State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Volunteer State Bank U.S. Bank Average
6.29% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Volunteer State Bank had $8,046,000 in non-current loans and $140,000 in owned real estate. To cover these potential losses it had $128,124,000 in equity and $1,938,000 in loans loss reserves. That gives it a Texas Ratio of 6.29%.

Return on Equity
Volunteer State Bank U.S. Bank Average
4.15% 9.50%

Volunteer State Bank has a Return on Equity of 4.15% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Volunteer State Bank U.S. Bank Average
15.49% 12.76%

Volunteer State Bank has a Capitalization of 15.49% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Volunteer State Bank Balance Sheet Analysis

As of June 30, 2019, Volunteer State Bank had assets of $827,390,000, loans of $610,826,000, and deposits of $604,716,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.08 billion
Interest-bearing balances $0.07 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.61 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.07 billion
All other assets $0.03 billion
     Total Assets $0.70 billion
Total deposits $0.60 billion
      Interest-bearing deposits $0.45 billion
      Deposits held in domestic offices $0.60 billion
      % insured (estimated) 74.48%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.07 billion
Subordinated debt $0.00 billion
All other liabilities $0.02 billion
      Total Liabilities $0.70 billion
      Shareholders’ Equity $0.13 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Volunteer State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Tennessee, Volunteer State Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 34.39
Credit Card Loans 0.00
Consumer Auto Loans 0.21
Small Business Loans 13.33
Construction and Development Loans 17.17
Commercial Real Estate 33.90
Commercial and Industrial Loans 11.55
Farm Loans 0.12

Frequently Asked Questions About Volunteer State Bank

Branches and Savings

Is Volunteer State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #22451.

Why does Volunteer State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Volunteer State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Volunteer State Bank a commercial bank?


Where are Volunteer State Bank locations?

See branch locations nearby.

Is Volunteer State Bank open on Saturdays?

Is Volunteer State Bank open on Sundays?

What time does Volunteer State Bank open?

What time does Volunteer State Bank close?

Are Volunteer State Bank ATMs Open 24/7?

Do Volunteer State Bank ATMs accept cash deposits?

Can Volunteer State Bank customers use other ATMs?

Do Volunteer State Bank branches have notaries?

Will Volunteer State Bank notarize my document?

What address for Volunteer State Bank should I put for incoming ACH transfers?

Will the Volunteer State Bank branch print checks?

Do Volunteer State Bank checks expire?

Does Volunteer State Bank require US citizenship to open account?

Can Volunteer State Bank close my account?

Does Volunteer State Bank Report to credit bureaus?

Does Volunteer State Bank Use Equifax?

What is Volunteer State Bank's ACH Routing Number?

What is Volunteer State Bank's SWIFT code?


Does Volunteer State Bank offer mortgages?

Compare mortgage rates here.

Does Volunteer State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Volunteer State Bank offer personal loans?

Compare personal loan rates here.

Does Volunteer State Bank offer student loans?

Will Volunteer State Bank cash a check?

Will Volunteer State Bank redeem a savings bond?

Does Volunteer State Bank cash savings bonds?

Will Volunteer State Bank cash money orders?

Can Volunteer State Bank issue a money order?

Does Volunteer State Bank do currency exchange?

Background on The Bank

Who owns Volunteer State Bank?

How long has Volunteer State Bank been around?

Can Volunteer State Bank transfer to other banks?

Does Volunteer State Bank have quick pay?

Does Volunteer State Bank accept rolled coins?

Will Volunteer State Bank accept loose change?

Where is Volunteer State Bank headquarters?

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