Home Federal Bank of Tennessee
Also written as HFB of Tennessee
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Data as of · sourced from FFIEC call reports. How we update
Home Federal Bank of Tennessee is an FDIC-insured savings institution headquartered in Knoxville, TN, supervised by the OCC, with $2.73B in total assets at Q2 2026, up 0.3% from Q2 2025, the 8th largest of 109 banks headquartered in Tennessee. It was established in 1936 and holds FDIC certificate 29683. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.16% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29683
- Headquarters
- Knoxville, TN
- Established
- 1936
- Total assets, Q2 2026
- $2.73B
- Assets vs Q2 2025
- +0.3%
- Tier 1 leverage ratio, Q2 2026
- 17.16%
- Domestic offices
- 23 · Home Federal Bank of Tennessee branches FDIC institution directory, current count
- Routing number
- 264271390
- Safety and soundness
- Is Home Federal Bank of Tennessee safe?
- Latest call report
- Q2 2026, FFIEC 051 · Home Federal Bank of Tennessee call report
- Asset rank in state
- 8th of 109 in Tennessee
Problem loans are rising at Home Federal Bank of Tennessee. The Knoxville, Tennessee bank had $2.7 billion in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.92% of loans from 0.40% a year earlier. It earns about $0.39 a year on every $100 of assets, about a third the median of $1.29 for the 880 banks with $1 billion to $10 billion in assets. It also spends about 80 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $2.6 million, 172% above the same quarter a year earlier. Over the same year, loans grew 13.7% and deposits grew 0.1%. Its margin is thin by comparison: it keeps 2.42 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
As of June 30, 2026, Home Federal Bank of Tennessee reported a return on assets of 0.39%, a nonperforming-loan ratio of 3.92% and a Texas ratio of 12.40%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Home Federal Bank of Tennessee is the 8th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $2.73B, loans rose 4.1% and deposits fell 1.9%. 1-4 family residential loans made up 52.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 16.3%. The FDIC Summary of Deposits lists 23 offices for it, in 9 cities in TN; its Knoxville 15 offices book 79% of its branch deposits. By the capital ratios in its Q2 2026 call report, Home Federal Bank of Tennessee meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 515 Market St, Knoxville, TN 37902
- County
- Knox
- Metro Area
- Knoxville, TN
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 15, 1936
- Former names
- Home Federal Bank of Tennessee, FSB (1989-1996)
- Domestic offices
- 23 FDIC institution directory, current count
- Employees (FTE)
- 366
- Domestic deposits
- $2.12B
- Allowance for credit losses
- $13.2M
- Net charge-offs (YTD)
- $260K
- Average total assets
- $2.72B
- Average total loans
- $1.47B
- Average interest-bearing deposits
- $1.84B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29683
- Fed RSSD
- 105473
- Website
- www.homefederalbanktn.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Home Federal Bank of Tennessee reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Home Federal Bank of Tennessee's total assets ranged from $2.72B (Q3 2025) to $3.51B (Q2 2024), and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.73B total assets against $2.72B; $2.27B total liabilities against $2.26B.
$1.48B net loans and leases against $1.30B; $2.12B total deposits against $2.12B.
$1.12B securities against $1.30B; $50.9M cash and balances due against $47.7M.
$24.2M total interest income against $21.8M; $8.3M total interest expense against $8.8M.
$16.0M net interest income against $13.0M.
$2.9M total noninterest income against $2.8M; $15.2M total noninterest expense against $14.5M.
$300K provision for credit losses against $75K.
$2.6M net income against $973K.
0.39% return on assets against 0.14%; 2.42% net interest margin against 1.95%.
17.16% tier 1 leverage ratio against 16.64%.
Inside the full Home Federal Bank of Tennessee terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Home Federal Bank of Tennessee rankings
Its closest position to the top of a national ranking is 463 of 4,196, for total assets; its furthest is 3,340 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.03% (Q3 2024) to 0.39% (Q2 2026) and its net interest margin ran from 1.33% (Q3 2024) to 2.42% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.16% | 0.39% | 3.92% | 12.40% | 2.42% |
| Q1 2026 | 17.16% | 0.24% | 4.09% | 12.49% | 2.26% |
| Q4 2025 | 16.90% | 0.35% | 4.07% | 12.25% | 2.22% |
| Q3 2025 | 16.86% | 0.27% | 0.48% | 1.40% | 2.17% |
| Q2 2025 | 16.64% | 0.14% | 0.40% | 1.12% | 1.95% |
| Q1 2025 | 16.72% | 0.06% | 0.40% | 1.09% | 1.85% |
| Q4 2024 | 16.01% | -0.01% | 0.41% | 1.13% | 1.57% |
| Q3 2024 | 13.30% | -0.03% | 0.58% | 1.59% | 1.33% |
Swipe the table sideways to see every column.
Branch Network
View all 23 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Home Federal Bank of Tennessee (main office) | Knoxville , TN | 37902 | $188.8M |
| Bearden Branch | Knoxville , TN | 37919 | $153.3M |
| South Knoxville Branch | Knoxville , TN | 37920 | $152.0M |
| Halls Branch | Knoxville , TN | 37918 | $142.5M |
| Karns Branch | Knoxville , TN | 37931 | $138.9M |
| Merchants Branch | Knoxville , TN | 37912 | $132.4M |
| Cedar Bluff Branch | Knoxville , TN | 37923 | $119.2M |
| North Knoxville Branch | Knoxville , TN | 37917 | $111.8M |
| Downtown West Branch | Knoxville , TN | 37919 | $98.5M |
| Fountain City Branch | Knoxville , TN | 37918 | $93.0M |
| Carter Branch | Knoxville , TN | 37924 | $87.5M |
| Sevierville Branch | Sevierville , TN | 37862 | $83.5M |
| Maryville Branch | Maryville , TN | 37801 | $82.0M |
| Powell Branch | Powell , TN | 37849 | $80.1M |
| Concord Branch | Knoxville , TN | 37922 | $76.2M |
| Farragut Branch | Knoxville , TN | 37934 | $75.6M |
| Gibbs Branch | Corryton , TN | 37721 | $66.0M |
| Magnolia Branch | Knoxville , TN | 37914 | $64.1M |
| 11320 Chapman Highway Branch | Seymour , TN | 37865 | $53.1M |
| Oak Ridge Branch | Oak Ridge , TN | 37830 | $52.9M |
| Isaiah's Landing Branch | Knoxville , TN | 37917 | $40.0M |
| Gatlinburg Branch | Gatlinburg , TN | 37738 | $17.2M |
| Pigeon Forge Branch | Pigeon Forge , TN | 37863 | $12.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 30, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1982 | Structure Change | Acquired Second FS&LA Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1981 | Structure Change | Acquired First FS&LA Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1981 | Structure Change | Acquired Security FS&LA Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in TN, rank 17 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Home Federal Bank of Tennessee
What are Home Federal Bank of Tennessee's total assets?
As of the Q2 2026 filing, Home Federal Bank of Tennessee reported total assets of $2.73 billion in its FFIEC call report.
Where is Home Federal Bank of Tennessee headquartered?
It is headquartered in Knoxville, TN, United States.
When was Home Federal Bank of Tennessee founded?
It was established in 1936, per the FDIC institution directory.
Is Home Federal Bank of Tennessee FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29683). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Federal Bank of Tennessee?
Home Federal Bank of Tennessee's primary federal regulator is the OCC.
How many branches does Home Federal Bank of Tennessee operate?
It operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home Federal Bank of Tennessee's Texas Ratio?
Its Texas Ratio is 12.40% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Home Federal Bank of Tennessee previously called?
The charter now named Home Federal Bank of Tennessee has also operated as Home Federal Bank of Tennessee, FSB (1989-1996), per FDIC structure-change records.
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