Home Federal Bank of Tennessee: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Federal Bank of Tennessee of Knoxville, TN against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.39% | 1.44% | -1.05% | 6th bottom |
| ROAE | 2.31% | 12.52% | -10.21% | 5th bottom |
| Net Interest Margin | 2.42% | 3.84% | -1.42% | 4th bottom |
| Efficiency Ratio | 80.50% | 58.85% | +21.65% | 7th bottom |
| PPNR / Avg Assets | 0.53% | 1.78% | -1.25% | 4th bottom |
| Yield on Earning Assets | 3.67% | 5.72% | -2.05% | 1st bottom |
| Cost of Funds | 1.48% | 2.03% | -0.55% | 81st top |
| Net Interest Spread | 1.95% | 3.18% | -1.23% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.90% | 0.96% | +2.94% | 3rd bottom |
| NPA / Total Assets | 2.14% | 0.75% | +1.39% | 7th bottom |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 74th above |
| ACL / Total Loans | 0.89% | 1.25% | -0.36% | 19th bottom |
| ACL / NPLs (Coverage) | 22.74% | 699.59% | -676.85% | 1st bottom |
| Texas Ratio | 12.40% | 7.16% | +5.24% | 16th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 216.15% | 815.32% | -599.17% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.16% | 11.59% | +5.57% | 96th top |
| Equity / Assets | 16.84% | 11.33% | +5.51% | 96th top |
| TCE / Tangible Assets | 16.84% | 10.64% | +6.20% | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.42% | 86.37% | -15.95% | 86th top |
| Core Deposit Ratio | 88.84% | 85.55% | +3.29% | 52nd above |
| Uninsured Deposit Ratio | 21.23% | 32.72% | -11.49% | 81st top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.09% | 5.45% | -1.36% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.32% | 10.47% | -10.15% | 17th bottom |
| Loan Growth (Y/Y) | 13.74% | 7.99% | +5.75% | 83rd top |
| Deposit Growth (Y/Y) | 0.11% | 7.99% | -7.88% | 20th bottom |
See Home Federal Bank of Tennessee's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home Federal Bank of Tennessee, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Home Federal Bank of Tennessee profile, how to read a UBPR, or how this data updates.