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Home Federal Bank of Tennessee

Knoxville, TN · Cert 29683

State savings bank · OCC · 23 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

88

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

3

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

7

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Home Federal Bank of Tennessee

Knoxville, TN · Cert 29683

State savings bank · OCC · 23 branches

Q2 2026

$2.7BAssets
$1.5BLoans
$2.1BDeposits
$459.1MEquity
Loan mix
97%RE $1.3B3%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $1.8B14%Noninterest $0.3BQ2 2025Q2 2026

NIM

3.42%Q2 ’243.11%Q2 ’253.47%Q2 ’26+36%+23%

Non-interest income vs. expense

1.59%Q2 ’242.11%Q2 ’252.25%Q2 ’26+31%+7%

Market Position · Knoxville, TN · 2026 SOD (annual) · 7.4% share · #5 of 42 inst. · $2.0B of $26.6B

9.6% Knox
3.9% Sevier
2.6% Blount
3.9% Anderson

Executive Summary

  • Earnings: ROA of 0.31%, up 21 bps year over year; NIM at 2.27%.
  • Asset quality: problem loans at 3.92% of loans (+352 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 17.16%, up 51 bps from a year ago.
  • Funding: loans stand at 70.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.31%+21 bps YoY

Net Interest Margin (YTD, annualized)

2.27%+43 bps YoY

Efficiency Ratio (YTD, annualized)

83.69%-1,043 bps YoY

Tier 1 Leverage Ratio

17.16%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.16%0.21%0.24%0.31%+21 bps
Return on Equity0.62%0.96%1.24%1.43%1.87%+125 bps
Net Interest Margin1.84%1.94%2.00%2.20%2.27%+43 bps
Efficiency Ratio94.12%91.17%89.15%86.83%83.69%-1,043 bps
Non-Interest Burden1.71%1.74%1.73%1.85%1.83%+12 bps
Growth
Asset Growth (YoY)-22.55%-7.73%0.08%-0.55%0.32%+2,287 bps
Loan Growth (YoY)5.20%8.06%10.62%12.64%13.74%+854 bps
Deposit Growth (YoY)-0.96%0.15%0.11%1.32%0.11%+108 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.48%4.07%4.09%3.92%+352 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.07%0.03%+3 bps
Allowance / Loans0.98%0.94%0.92%0.91%0.89%-9 bps
Allowance Coverage of NPLs2.5x2.0x0.2x0.2x0.2x-2.2x
Capital
Tier 1 Leverage Ratio16.64%16.86%16.90%17.16%17.16%+51 bps
Total Risk-Based Capital16.64%16.86%16.90%17.16%17.16%+51 bps
Equity / Assets16.68%16.76%16.67%16.72%16.84%+16 bps
Liquidity & Funding
Loans / Deposits61.99%63.87%65.08%66.34%70.42%+844 bps
Liquid Assets / Assets46.47%45.57%44.24%43.20%40.44%-602 bps
CRE / Total Capitaln/a118.56%119.89%118.94%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Home Federal Bank of Tennessee

Knoxville, TN · Cert 29683 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)

State savings bank · OCC · 23 branches

Q2 2026

$2.7BAssets
$1.5BLoans
$2.1BDeposits
$459.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 96% of banks $1B-$10B in assets operating in a single state (rank 11 of 258).
  • Widest gap: nonperforming loans / loans trails 98% of banks $1B-$10B in assets operating in a single state (rank 254 of 258).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.31%

Rank 249 of 258

Net Interest Margin

2.27%

Rank 250 of 258

Efficiency Ratio

83.69%

Rank 241 of 257

Equity / Assets

16.84%

Rank 11 of 258

Non-interest income vs. expense

$11.4M$61.1MINCOMEEXPENSE
Unfavorable gap of $49.7M · efficiency ratio beats 7% of banks $1B-$10B in assets operating in a single state
Bank 83.69%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.31%0.93%1.23%1.54%Beats 3%249 / 258
Return on Equity1.86%9.26%11.84%14.74%Beats 3%251 / 258
Net Interest Margin2.27%3.16%3.49%3.88%Beats 3%250 / 258
Efficiency Ratio83.69%51.71%60.30%69.65%Beats 7%241 / 257
Asset Quality
Nonperforming Loans / Loans3.92%0.19%0.46%0.90%Beats 2%254 / 258
Net Charge-Offs / Loans0.02%0.01%0.02%0.07%Beats 52%126 / 258
Capital
Tier 1 Capital Ratio17.16%11.41%12.98%15.12%Beats 85%38 / 258
Total Risk-Based Capital Ratio17.16%12.10%13.91%16.08%Beats 82%47 / 258
Equity / Assets16.84%9.09%10.24%11.72%Beats 96%11 / 258
Liquidity & Funding
Loans / Deposits70.42%73.24%86.34%95.95%19th pctl209 / 258
Loans / Assets54.81%63.01%72.27%78.40%11th pctl230 / 258
Brokered Deposits / Depositsn/aNot reported for this institution