Home Federal Bank of Tennessee: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.09 percentage points higher than in Q1 2026, at 70.42%. Home Federal Bank of Tennessee has the 9th lowest return on assets of the 109 banks headquartered in Tennessee, at 0.39% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, Home Federal Bank of Tennessee reported 0.39% on return on assets in Q2 2026, 0.89 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.16% |
| Equity capital to assets | 16.84% |
| Tangible equity to tangible assets | 16.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.90% |
| Non-performing assets ratio | 2.14% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 12.40% |
| Allowance for credit losses to loans | 0.89% |
| Reserve coverage of non-performing loans | 22.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.39% |
| Return on equity | 2.31% |
| Net interest margin | 2.42% |
| Efficiency ratio | 80.50% |
| Yield on earning assets | 3.67% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.42% |
| Core deposits to total deposits | 88.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.82% |
| Securities to assets | 40.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 16.30% | -0.18% | 1.46% | 4.77% | 0.00% |
| Q4 2023 | 16.19% | -0.08% | 1.35% | 4.93% | 0.00% |
| Q1 2024 | 13.28% | -0.12% | 1.19% | 4.84% | 0.01% |
| Q2 2024 | 13.06% | 0.24% | 1.66% | 0.25% | 0.00% |
| Q3 2024 | 13.30% | -0.03% | 1.33% | 0.43% | 0.00% |
| Q4 2024 | 16.01% | -0.01% | 1.57% | 0.42% | 0.00% |
| Q1 2025 | 16.72% | 0.06% | 1.85% | 0.40% | 0.00% |
| Q2 2025 | 16.64% | 0.14% | 1.95% | 0.47% | -0.00% |
| Q3 2025 | 16.86% | 0.27% | 2.17% | 0.47% | 0.01% |
| Q4 2025 | 16.90% | 0.35% | 2.22% | 4.07% | -0.00% |
| Q1 2026 | 17.16% | 0.24% | 2.26% | 4.08% | 0.07% |
| Q2 2026 | 17.16% | 0.39% | 2.42% | 3.90% | 0.00% |
Home Federal Bank of Tennessee vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Federal Bank of Tennessee, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)