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Our Performance
Volunteer Federal Savings Bank is a mutual institution with a state charter which employs strategies that differ greatly from publically traded financial institutions. We are not driven by returns on investment or meeting market and stockholder expectations. Rather, we are driven by servicing our community's financing needs while ensuring and maintaining growth, asset quality, and liquidity. This had been successfully accomplished by adhering to conservative management practices that target steady and controlled growth over the years. This explains why Volunteer Federal continues to be profitable through difficult economic conditions. In fact, throughout our history, Volunteer Federal has never recorded a loss because its strategy is based on flexibility and long term outcomes. This strategy has enabled Volunteer Federal to endure several crises, including the savings and loan crisis in the 1980's.
Volunteer Federal has consistently received the highest rating (5 out of 5 stars) from Bauer Financial, an independent and unbiased source for bank and credit union ratings (http://www.bauerfinancial.com).
Bauer Financial, an independent and unbiased source for bank and credit union ratings
chart of financial performance
Board of Directors photos

John H. (Bob) Dalton, President & Chief Executive Officer
Robert T. Moser, Vice President, & Loan Officer
Tim Moree, Assistant Vice President & Security Officer
Ruby McLemore, Vice President & Loan Officer, Branch Manager Madisonville Office
Sonya Harris, Vice President & Loan Officer, Branch Manager Tellico Plains Office
Shelia Knox, Assistant Vice President & Loan Officer, Branch Manager Hwy 68 Sweetwater Office
Rita White, Assistant Vice President & Loan Officer, Branch Manager Vonore Office
Rob Rule, Assistant Vice President & Loan Officer, Branch Manager Sweetwater Office
Leslie Hicks, Branch Manager, Highway 68 Madisonville Office
Kressa Mason, Assistant Vice President & Loan Officer, Assistant Branch Manager Tellico Plains Office
David Viar, Assistant Branch Manager & Loan Officer, Highway 68 Sweetwater Office
Charlie Robbins, Assistant Vice President, Compliance Officer, Operations Analyst, and Audit Coordinator
Adam Pennington, Assistant Vice President, Operations Officer
Jami Babb, Assistant Operations Officer
Rodney Cross, Computer Technology Officer, IT Security Administrator
Abby Cook, Loan Officer & Identity Theft Program Officer

Photo of Larry Hicks, Chairman & Chief Executive Officer
photo of John H. (Bob) Dalton, President & Chief Operating Officer
"The success of this institution has been driven by a conservative and involved board of directors and a very diligent and enthusiastic group of service providers. The performance of Volunteer Federal begins with these two ingredients." - Larry Hicks, Chairman
"Our people are responsible for our performance. Just bank with us and you'll find out what makes Volunteer Federal a quality and caring financial institution." - Bob Dalton, President & CEO

Our Mission Statement:

"Volunteer Federal Savings Bank will, both prudently and professionally, utilize its resources to fulfill the financial product needs and customer service expectations of individuals, families, businesses and communities located in the Monroe County area of Tennessee."

Volunteer Federal Snapshot:

  • Established on January 1, 1973
  • FDIC insured since March 15, 1974 (Certificate #31694)
  • Federal Reserve ID # 170275
  • Regulated by the Tennessee Department of Financial Institutions (TDFI) and the Federal Deposit Insurance Corporation (FDIC)
  • Ownership: Non-stock Mutual
  • Bauer Financial Rating: 5 out of 5 stars

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