Home Federal Bank of Tennessee

Overview

What stands out about Home Federal Bank of Tennessee?

Its largest one-quarter change in total assets since Q1 2016 was +24.5% between Q4 2023 and Q1 2024, a quarter with no merger or acquisition in the FDIC history. Against its six size peers, its tier 1 leverage ratio stands out most: 17.16% at Q2 2026, above the peer median of 10.40%. Its tier 1 leverage ratio of 17.16% at Q2 2026 is in the highest 5% of the 500 banks reporting it (rank 16 of 500, 1 = highest). Its noncurrent loans to total loans of 3.92% at Q2 2026 is among the highest 5% of the 500 banks reporting it, a loan-quality outlier (rank 491 of 500, 1 = lowest).

How large is Home Federal Bank of Tennessee?

At Q2 2026 the bank held $2.7 bn of assets. Deposits were $2.1 bn and net loans and leases $1.5 bn, a loan-to-deposit ratio of 69.80%. Securities of $1.1 bn made up 40.9% of assets.

Total assets rose 25.7% between Q1 2016 and Q2 2026, from $2.2 bn.

How much of its funding is uninsured?

An estimated 21.23% of domestic deposits were above the FDIC insurance limit at Q2 2026, -0.57 pp from the previous quarter and +0.41 pp from a year earlier. That share ranks 402nd among 500 banks reporting this metric (1 = highest).

Key facts, Q2 2026

US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.

The bank uses the community bank leverage ratio framework, so it does not report risk-based capital ratios. Its tier 1 leverage ratio was 17.16% at Q2 2026, +0.51 pp from a year earlier. The median tier 1 leverage ratio of the size peers listed below was 10.40% at Q2 2026.

Held-to-maturity securities had an unrealized loss of $62.8 mn at Q2 2026, measured as fair value minus amortized cost, equal to 13.7% of bank equity capital. The loss narrowed by $20.3 mn from a year earlier. The largest unrealized loss on these securities was $198.5 mn at Q3 2022. Available-for-sale securities showed an unrealized loss of $595,000 at Q2 2026; the loss widened by $2,000 from a year earlier.

Return on equity was 1.87% for the year to Q2 2026, annualized, with a return on assets of 0.31% and a net interest margin of 2.34%. The margin was +0.42 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 83.69%. Net income for the year to Q2 2026 was $4.3 mn, up 206.2% on the same period a year earlier. The median return on equity of its size peers was 11.30% for the same period.

Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 3.92% of total loans at Q2 2026. Net charge-offs for the year to date were 0.04% of average loans, annualized.

The FDIC history records no mergers or acquisitions for Home Federal Bank of Tennessee since Q1 2016, and its total assets never moved more than 25% in one quarter.