Home Federal Bank of Tennessee
Home Federal Bank of Tennessee reported total assets of $2.7 bn at Q2 2026, up 0.3% on a year earlier. Home Federal Bank of Tennessee uses the community bank leverage ratio framework, with a leverage ratio of 17.16%, and the uninsured share of Home Federal Bank of Tennessee was 21.23%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Home Federal Bank of Tennessee slipped from 184th to 491st among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Home Federal Bank of Tennessee has one of the highest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 3.92% at , against a median of 0.58% across 339 banks (FDIC Call Reports).
- The return on equity (ROE) of Home Federal Bank of Tennessee, 1.87% at , places Home Federal Bank of Tennessee in the bottom tenth of banks of $1 bn to $10 bn (group median 12.68%; FDIC Call Reports).
What sets Home Federal Bank of Tennessee apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower return on assets (ROA) than Home Federal Bank of Tennessee, at 0.31% in ; the group median is 1.32%.
- Home Federal Bank of Tennessee has one of the highest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 17.16% at , against a median of 10.45% across 339 banks.
- At 83.69%, the efficiency ratio of Home Federal Bank of Tennessee sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 56.87%.
How large is Home Federal Bank of Tennessee?
The balance sheet of Home Federal Bank of Tennessee at : assets $2.7 bn, deposits $2.1 bn, net loans $1.5 bn (loans equal to 69.80% of deposits). Securities make up 40.9% of total assets at Home Federal Bank of Tennessee. Since , when Home Federal Bank of Tennessee held $2.2 bn, its assets grew 25.7%. In the year to , deposits at Home Federal Bank of Tennessee rose 0.1% while its total assets rose 0.3%. At , Home Federal Bank of Tennessee employed 366 full-time equivalent staff across 23 offices, about $7.4 mn of assets per employee and $92.2 mn of deposits per office.
How much funding at Home Federal Bank of Tennessee is uninsured?
At Home Federal Bank of Tennessee, uninsured deposits (above the FDIC limit) made up 21.23% of domestic deposits at (+0.41 pp on a year earlier); Home Federal Bank of Tennessee ranks 402nd of 500 on this measure. In dollars, Home Federal Bank of Tennessee estimated $450.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.1 bn | +0.1% | 486th of 499 |
| Net loans and leases | $1.5 bn | +13.8% | 485th of 500 |
| Loan-to-deposit ratio | 69.80% | +8.42 pp | 421st of 500 |
| Net interest margin | 2.34% | +0.42 pp | 469th of 500 |
| Return on assets (ROA) | 0.31% | +0.21 pp | 487th of 500 |
| Efficiency ratio | 83.69% | -10.43 pp | 484th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $62.8 mn | Narrowed by $20.3 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $595,000 | Widened by $2,000 | |
| Noncurrent loans to total loans | 3.92% | +3.52 pp | 491st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.04% | +0.04 pp | 167th of 500 (1 = lowest) |
US rank of Home Federal Bank of Tennessee: 1 = highest unless marked 1 = lowest.
Balance sheet
Home Federal Bank of Tennessee: assets, deposits and loans
- Total assets $2.7bn
- Deposits $2.1bn
- Net loans $1.5bn
Capital and securities
Home Federal Bank of Tennessee uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 17.16% in . Equity capital of Home Federal Bank of Tennessee at : $459.1 mn, or 16.8% of total assets.
On held-to-maturity securities, Home Federal Bank of Tennessee carried an unrealized loss of $62.8 mn at , equal to 13.7% of equity capital. The loss narrowed by $20.3 mn over the year. Its deepest point: $198.5 mn in . The available-for-sale portfolio of Home Federal Bank of Tennessee showed an unrealized loss of $595,000 at ; the loss widened by $2,000 over the year.
Home Federal Bank of Tennessee: capital ratios
- Total capital 34%
- CET1 33%
- Tier 1 leverage 17%
Home Federal Bank of Tennessee: unrealized securities gains and losses
- Available for sale -$595,000
- Held to maturity -$63mn
Profitability and loan quality
For the year to , Home Federal Bank of Tennessee earned a return on equity of 1.87%; return on assets: 0.31%. Net interest margin at Home Federal Bank of Tennessee: 2.34%, +0.42 pp in a year. Home Federal Bank of Tennessee net income: $4.3 mn, up 206.2% year on year. The efficiency ratio of Home Federal Bank of Tennessee was 83.69%: about 84 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 3.92% of total loans at Home Federal Bank of Tennessee; net charge-offs: 0.04% of average loans. Gross loans and leases at Home Federal Bank of Tennessee: $1.5 bn, up 13.7% in a year.
Home Federal Bank of Tennessee: profitability
- Return on equity 1.9%
- Net interest margin 2.3%
- Return on assets 0.3%
Peer group of Home Federal Bank of Tennessee
The peer group of Home Federal Bank of Tennessee is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Home Federal Bank of Tennessee (federal savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Tennessee. Against them, Home Federal Bank of Tennessee shows return on equity 1.87% against a peer median of 11.30% and uninsured deposit share 21.23% against a peer median of 32.07%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| State Bank of Southern Utah | State nonmember bank | UT | $2.7 bn | not reported | 15.58% | 29.89% | |
| Cornerstone Bank | State member bank | NE | $2.7 bn | not reported | 13.70% | 34.04% | |
| Westfield Bank | Federal savings bank | MA | $2.7 bn | 12.47% | 7.94% | 30.10% | |
| Home Federal Bank of Tennessee | Federal savings bank | TN | $2.7 bn | not reported | 1.87% | 21.23% | |
| Pinnacle Bank | State nonmember bank | TX | $2.7 bn | 14.07% | 10.81% | 29.57% | |
| Tradition Capital Bank | State nonmember bank | MN | $2.7 bn | 10.32% | 10.98% | 45.41% | |
| Planters Bank & Trust Company | State nonmember bank | MS | $2.7 bn | 15.29% | 11.63% | 38.75% | |
. FDIC Call Reports.
Last eight quarters
Two years at Home Federal Bank of Tennessee, to : assets -7.4%, deposits -0.9%, equity +2.1%. Staff 360 to 366.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn |
| Total deposits | $2.1 bn | $2.2 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.2 bn | $2.2 bn | $2.1 bn |
| Bank equity capital | $449.8 mn | $451.1 mn | $452.0 mn | $453.2 mn | $455.3 mn | $455.1 mn | $456.6 mn | $459.1 mn |
| Return on equity (ROE) | 0.25% | 0.17% | 0.37% | 0.62% | 0.96% | 1.24% | 1.43% | 1.87% |
| Uninsured share of domestic deposits | 20.68% | 21.28% | 20.64% | 20.83% | 22.36% | 22.44% | 21.81% | 21.23% |
| Full-time equivalent employees | 360 | 359 | 360 | 367 | 361 | 361 | 348 | 366 |
| Number of offices | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Home Federal Bank of Tennessee appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Home Federal Bank of Tennessee?
Home Federal Bank of Tennessee reported $2.7 bn at in its Call Report. That makes Home Federal Bank of Tennessee the 465th largest of 497 banks in our US coverage.
Is Home Federal Bank of Tennessee profitable?
Home Federal Bank of Tennessee reported net income of $4.3 mn for the year to ; annualized return on equity: 1.87%. So yes: Home Federal Bank of Tennessee made a profit over these months.
When is data for Home Federal Bank of Tennessee next updated?
Figures from Home Federal Bank of Tennessee for are due after .
Where can I check the figures for Home Federal Bank of Tennessee?
In the FDIC BankFind Suite record for certificate 29683, and in the Call Reports of Home Federal Bank of Tennessee (RSSD ID 105473) at the FFIEC Central Data Repository.