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

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.10%	0.16%	0.21%	0.24%	0.31%	+21 bps
Return on Equity	0.62%	0.96%	1.24%	1.43%	1.87%	+125 bps
Net Interest Margin	1.84%	1.94%	2.00%	2.20%	2.27%	+43 bps
Efficiency Ratio	94.12%	91.17%	89.15%	86.83%	83.69%	-1,043 bps
Non-Interest Burden	1.71%	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 / Loans	0.40%	0.48%	4.07%	4.09%	3.92%	+352 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.07%	0.03%	+3 bps
Allowance / Loans	0.98%	0.94%	0.92%	0.91%	0.89%	-9 bps
Allowance Coverage of NPLs	2.5x	2.0x	0.2x	0.2x	0.2x	-2.2x
Capital
Tier 1 Leverage Ratio	16.64%	16.86%	16.90%	17.16%	17.16%	+51 bps
Total Risk-Based Capital	16.64%	16.86%	16.90%	17.16%	17.16%	+51 bps
Equity / Assets	16.68%	16.76%	16.67%	16.72%	16.84%	+16 bps
Liquidity & Funding
Loans / Deposits	61.99%	63.87%	65.08%	66.34%	70.42%	+844 bps
Liquid Assets / Assets	46.47%	45.57%	44.24%	43.20%	40.44%	-602 bps
CRE / Total Capital	n/a	118.56%	119.89%	118.94%	n/a	n/a