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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 $0.0BQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $1.8B14%Noninterest $0.3BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.04%0.03%0.06%0.10%0.16%0.21%0.24%0.31%+21 bps
Return on Equity0.25%0.17%0.37%0.62%0.96%1.24%1.43%1.87%+125 bps
Net Interest Margin1.36%1.60%1.81%1.84%1.94%2.00%2.20%2.27%+43 bps
Efficiency Ratio98.37%99.29%96.20%94.12%91.17%89.15%86.83%83.69%-1,043 bps
Non-Interest Burden1.33%1.59%1.72%1.71%1.74%1.73%1.85%1.83%+12 bps
Growth
Asset Growth (YoY)4.63%-3.15%-21.71%-22.55%-7.73%0.08%-0.55%0.32%+2,287 bps
Loan Growth (YoY)1.89%1.12%-0.32%5.20%8.06%10.62%12.64%13.74%+854 bps
Deposit Growth (YoY)-2.45%-1.48%-0.98%-0.96%0.15%0.11%1.32%0.11%+108 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.41%0.40%0.40%0.48%4.07%4.09%3.92%+352 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.07%0.03%+3 bps
Allowance / Loans1.02%1.03%1.01%0.98%0.94%0.92%0.91%0.89%-9 bps
Allowance Coverage of NPLs1.8x2.5x2.5x2.5x2.0x0.2x0.2x0.2x-2.2x
Capital
Tier 1 Leverage Ratio13.30%16.01%16.72%16.64%16.86%16.90%17.16%17.16%+51 bps
Total Risk-Based Capital13.30%16.01%16.72%16.64%16.86%16.90%17.16%17.16%+51 bps
Equity / Assets15.28%16.54%16.46%16.68%16.76%16.67%16.72%16.84%+16 bps
Liquidity & Funding
Loans / Deposits59.20%58.90%59.67%61.99%63.87%65.08%66.34%70.42%+844 bps
Liquid Assets / Assets52.48%48.18%48.45%46.47%45.57%44.24%43.20%40.44%-602 bps
CRE / Total Capitaln/an/an/an/a118.56%119.89%118.94%n/an/a