Home Federal Bank of Tennessee: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 4.75 percentage points in Q2 2026, from 88.77% to 93.52%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Home Federal Bank of Tennessee is 86th of 109 on loan-to-deposit ratio, 70.42% as of Q2 2026, below the middle of the field. Home Federal Bank of Tennessee reported 70.42% on loan-to-deposit ratio for Q2 2026, 17.78 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.49B |
| Net loans and leases | $1.48B |
| Loans held for sale | $1.1M |
| Loans to total assets | 54.81% |
| Loan-to-deposit ratio | 70.42% |
| Net loans to equity capital | 3.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.73% |
| Multifamily (5+ residential) | 2.22% |
| Commercial and industrial | 2.65% |
| Consumer | 0.26% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.71% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 93.52% |
| Construction concentration (Tier 1 capital + allowance) | 34.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $19.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.24B | $2.19B | 28.49% | 4.07% | 0.32% |
| Q4 2023 | $1.26B | $2.19B | 28.35% | 3.49% | 0.31% |
| Q1 2024 | $1.28B | $2.16B | 27.73% | 3.57% | 0.35% |
| Q2 2024 | $1.25B | $2.14B | 27.65% | 3.54% | 0.43% |
| Q3 2024 | $1.27B | $2.14B | 28.12% | 3.37% | 0.31% |
| Q4 2024 | $1.27B | $2.16B | 27.48% | 3.58% | 0.27% |
| Q1 2025 | $1.27B | $2.13B | 27.48% | 3.24% | 0.30% |
| Q2 2025 | $1.31B | $2.12B | 27.50% | 3.20% | 0.33% |
| Q3 2025 | $1.37B | $2.14B | 28.73% | 3.09% | 0.33% |
| Q4 2025 | $1.41B | $2.16B | 27.06% | 3.30% | 0.38% |
| Q1 2026 | $1.43B | $2.16B | 26.25% | 2.58% | 0.31% |
| Q2 2026 | $1.49B | $2.12B | 25.73% | 2.65% | 0.26% |
Home Federal Bank of Tennessee loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Federal Bank of Tennessee, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Home Federal Bank of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29683) · FFIEC NIC profile (RSSD 105473)