Home Federal Bank of Tennessee: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Knoxville, Home Federal Bank of Tennessee serves the Tennessee market as a community-focused commercial bank. Home Federal Bank of Tennessee's Q2 2026 balance sheet shows $2.7B in assets funded primarily by $2.1B in customer deposits. Returns are subdued: 0.39% ROA and 2.31% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 17.16% exceeds the CBLR threshold. Credit metrics show stress, 3.90% NPLs and a 12.40% Texas Ratio above the 100% historical failure threshold. Home Federal Bank of Tennessee operates a 23-branch network.
As of June 30, 2026, Home Federal Bank of Tennessee reported a Tier 1 leverage ratio of 17.16%, a return on assets of 0.39%, a nonperforming-loan ratio of 3.90%, a Texas ratio of 12.40%, per financial data filed with the FFIEC.
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)
- Offices
- 23 domestic
- Employees (FTE)
- 366
- Domestic deposits
- $2.12B
- Allowance for credit losses
- $13.2M
- Net charge-offs (YTD)
- $260K
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Home Federal Bank of Tennessee terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Home Federal Bank of Tennessee, 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.16% | 0.39% | 3.90% | 12.40% | 2.42% |
| Q1 2026 | 17.16% | 0.24% | 4.08% | 12.49% | 2.26% |
| Q4 2025 | 16.90% | 0.35% | 4.07% | 12.25% | 2.22% |
| Q3 2025 | 16.86% | 0.27% | 0.47% | 1.41% | 2.17% |
| Q2 2025 | 16.64% | 0.14% | 0.47% | 1.32% | 1.95% |
| Q1 2025 | 16.72% | 0.06% | 0.40% | 1.10% | 1.85% |
| Q4 2024 | 16.01% | -0.01% | 0.42% | 1.17% | 1.57% |
| Q3 2024 | 13.30% | -0.03% | 0.43% | 1.63% | 1.33% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 23 branches →
| 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
What the public regulatory sources show for Home Federal Bank of Tennessee, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in TN, rank 17 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Home Federal Bank of Tennessee headquartered?
Home Federal Bank of Tennessee is headquartered in Knoxville, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Home Federal Bank of Tennessee founded?
Home Federal Bank of Tennessee was established in 1936, per the FDIC institution directory.
Is Home Federal Bank of Tennessee FDIC-insured?
Yes. Home Federal Bank of Tennessee is an FDIC-insured commercial bank (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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Home Federal Bank of Tennessee operate?
Home Federal Bank of Tennessee 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?
Home Federal Bank of Tennessee's Texas Ratio is 12.40% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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