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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 75thStandingRank8-Qtr TrendPeer 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