Home Federal Bank of Tennessee: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin rose 0.16 percentage points from Q1 2026 to Q2 2026, ending at 2.42% against 2.26%. It was the largest change among the key lines on this page. On net interest margin, Home Federal Bank of Tennessee is 1st from the bottom among 109 Tennessee banks, 2.42% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Home Federal Bank of Tennessee sits 1.29 points lower, at 2.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.67% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.72% |
| Cost of borrowings | 1.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.42% |
| Yield to cost spread | 1.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.7M |
| Total interest expense | $8.3M |
| Interest expense on deposits | $7.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 2.66% | 1.42% | 1.46% |
| Q4 2023 | 2.73% | 1.66% | 1.35% |
| Q1 2024 | 3.26% | 2.42% | 1.19% |
| Q2 2024 | 3.82% | 2.53% | 1.66% |
| Q3 2024 | 3.48% | 2.55% | 1.33% |
| Q4 2024 | 3.12% | 1.83% | 1.57% |
| Q1 2025 | 3.15% | 1.53% | 1.85% |
| Q2 2025 | 3.25% | 1.54% | 1.95% |
| Q3 2025 | 3.43% | 1.49% | 2.17% |
| Q4 2025 | 3.47% | 1.48% | 2.22% |
| Q1 2026 | 3.49% | 1.45% | 2.26% |
| Q2 2026 | 3.67% | 1.48% | 2.42% |
Home Federal Bank of Tennessee yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Federal Bank of Tennessee, freeSource: Call Report Schedules RI and RC-K, 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)