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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Knoxville, TN · FDIC certificate #29683 · RSSD 105473
HOME FEDERAL BANK OF TN is an FDIC-insured institution based in Knoxville, TN (FDIC certificate #29683). In its Q3 2026 Call Report it reported total assets of $2.7B, total deposits of $2.2B and net loans of $1.5B. Its primary federal regulator is OCC.
Plain-language readout
HOME FEDERAL BANK OF TN is compared with 890 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: HOME FEDERAL BANK OF TN reported 0.000, in the 0.0th percentile of 890 peers, where the median is 0.016. Selected CRE loans to gross loans and leases: HOME FEDERAL BANK OF TN reported 0.343, in the 20.6th percentile of 862 peers, where the median is 0.468. Domestic secured CRE noncurrent ratio: HOME FEDERAL BANK OF TN reported 0.101, in the 99.8th percentile of 872 peers, where the median is 0.003. Deposit funding ratio: HOME FEDERAL BANK OF TN reported 0.778, in the 15.4th percentile of 902 peers, where the median is 0.850. Nontrading derivative fair value to assets: HOME FEDERAL BANK OF TN reported 0.000, in the 0.0th percentile of 533 peers, where the median is 0.000. Unadjusted YTD efficiency ratio: HOME FEDERAL BANK OF TN reported 0.837, in the 95.6th percentile of 887 peers, where the median is 0.596. Bank equity to assets: HOME FEDERAL BANK OF TN reported 0.168, in the 96.3th percentile of 894 peers, where the median is 0.104. Cash and securities to assets: HOME FEDERAL BANK OF TN reported 0.428, in the 92.4th percentile of 895 peers, where the median is 0.208. Quarterly loan growth: HOME FEDERAL BANK OF TN reported 0.041, in the 83.3th percentile of 886 peers, where the median is 0.018. Loan-to-asset ratio: HOME FEDERAL BANK OF TN reported 0.543, in the 10.3th percentile of 902 peers, where the median is 0.732. Domestic loans to domestic deposits: HOME FEDERAL BANK OF TN reported 0.704, in the 14.7th percentile of 890 peers, where the median is 0.881. Net interest margin: HOME FEDERAL BANK OF TN reported 2.339, in the 3.7th percentile of 902 peers, where the median is 3.704. Net loans and leases: HOME FEDERAL BANK OF TN reported 1480719.000, in the 52.3th percentile of 902 peers, where the median is 1384981.000. Nonaccrual loans ratio: HOME FEDERAL BANK OF TN reported 0.039, in the 98.8th percentile of 887 peers, where the median is 0.005. Noncurrent loans ratio: HOME FEDERAL BANK OF TN reported 0.039, in the 98.4th percentile of 887 peers, where the median is 0.005. Return on assets: HOME FEDERAL BANK OF TN reported 0.313, in the 4.7th percentile of 902 peers, where the median is 1.260. Return on equity: HOME FEDERAL BANK OF TN reported 1.870, in the 3.0rd percentile of 894 peers, where the median is 12.185. Securities to assets: HOME FEDERAL BANK OF TN reported 0.409, in the 96.0th percentile of 895 peers, where the median is 0.147. Time deposits maturing within one year: HOME FEDERAL BANK OF TN reported 0.925, in the 55.4th percentile of 880 peers, where the median is 0.914. Total assets: HOME FEDERAL BANK OF TN reported 2725901.000, in the 64.8th percentile of 902 peers, where the median is 2016575.000. Total deposits: HOME FEDERAL BANK OF TN reported 2121388.000, in the 62.3th percentile of 902 peers, where the median is 1666886.000. Efficiency ratio (official UBPR): HOME FEDERAL BANK OF TN reported 0.834, in the 96.0th percentile of 875 peers, where the median is 0.591. Net interest margin (official UBPR): HOME FEDERAL BANK OF TN reported 0.023, in the 3.3th percentile of 875 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: HOME FEDERAL BANK OF TN reported 0.035, in the 1.7th percentile of 875 peers, where the median is 0.052. Interest Expense as a percent of Average Assets: HOME FEDERAL BANK OF TN reported 0.012, in the 14.1th percentile of 875 peers, where the median is 0.018. Net Interest Income (TE) % of Avg Assets: HOME FEDERAL BANK OF TN reported 0.023, in the 3.9th percentile of 875 peers, where the median is 0.035. Noninterest Income as a percent of Average Assets: HOME FEDERAL BANK OF TN reported 0.004, in the 31.4th percentile of 875 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: HOME FEDERAL BANK OF TN reported 0.023, in the 36.3th percentile of 875 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: HOME FEDERAL BANK OF TN reported 0.000, in the 29.1th percentile of 875 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: HOME FEDERAL BANK OF TN reported 0.004, in the 3.4th percentile of 875 peers, where the median is 0.016. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: HOME FEDERAL BANK OF TN reported 0.000, in the 8.6th percentile of 875 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: HOME FEDERAL BANK OF TN reported 0.004, in the 3.4th percentile of 875 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: HOME FEDERAL BANK OF TN reported 0.003, in the 3.3th percentile of 875 peers, where the median is 0.013. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: HOME FEDERAL BANK OF TN reported 0.003, in the 3.5th percentile of 875 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: HOME FEDERAL BANK OF TN reported 0.976, in the 85.4th percentile of 875 peers, where the median is 0.956. Average Interest-Bearing Funds as a percent of Average Assets: HOME FEDERAL BANK OF TN reported 0.706, in the 41.4th percentile of 875 peers, where the median is 0.723. Interest Income (TE) as a percent of Average Earning Assets: HOME FEDERAL BANK OF TN reported 0.036, in the 1.1th percentile of 875 peers, where the median is 0.055. Net Interest Income (TE) as a percent of Average Earning Assets: HOME FEDERAL BANK OF TN reported 0.023, in the 3.3th percentile of 875 peers, where the median is 0.037. Net Loss as a percent of Average Total Loans and Leases: HOME FEDERAL BANK OF TN reported 0.000, in the 49.1th percentile of 867 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: HOME FEDERAL BANK OF TN reported 0.000, in the 9.1th percentile of 867 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: HOME FEDERAL BANK OF TN reported 0.698, in the 15.3th percentile of 870 peers, where the median is 0.872. Net Income Attributed to Minority Interests as a percent of Average Assets: HOME FEDERAL BANK OF TN reported 0.000, in the 0.3th percentile of 875 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: HOME FEDERAL BANK OF TN reported 0.000, in the 4.7th percentile of 875 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: HOME FEDERAL BANK OF TN reported 0.000, in the 22.1th percentile of 875 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): HOME FEDERAL BANK OF TN reported 0.005, in the 2.5th percentile of 875 peers, where the median is 0.017. Return on assets (official UBPR): HOME FEDERAL BANK OF TN reported 0.003, in the 3.5th percentile of 875 peers, where the median is 0.013. Return on equity (official UBPR): HOME FEDERAL BANK OF TN reported 0.019, in the 2.5th percentile of 874 peers, where the median is 0.122. Estimated uninsured to domestic deposits: HOME FEDERAL BANK OF TN reported 0.212, in the 19.1th percentile of 829 peers, where the median is 0.310.
Peer history below covers 43 quarters of HOME FEDERAL BANK OF TN's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.000 | 0.016 | 0.0th | 890 |
| Selected CRE loans to gross loans and leases | 0.343 | 0.468 | 20.6th | 862 |
| Domestic secured CRE noncurrent ratio | 0.101 | 0.003 | 99.8th | 872 |
| Deposit funding ratio | 0.778 | 0.850 | 15.4th | 902 |
| Nontrading derivative fair value to assets | 0.000 | 0.000 | 0.0th | 533 |
| Unadjusted YTD efficiency ratio | 0.837 | 0.596 | 95.6th | 887 |
| Bank equity to assets | 0.168 | 0.104 | 96.3th | 894 |
| Cash and securities to assets | 0.428 | 0.208 | 92.4th | 895 |
| Quarterly loan growth | 0.041 | 0.018 | 83.3th | 886 |
| Loan-to-asset ratio | 0.543 | 0.732 | 10.3th | 902 |
| Domestic loans to domestic deposits | 0.704 | 0.881 | 14.7th | 890 |
| Net interest margin | 2.339 | 3.704 | 3.7th | 902 |
| Net loans and leases | 1480719.000 | 1384981.000 | 52.3th | 902 |
| Nonaccrual loans ratio | 0.039 | 0.005 | 98.8th | 887 |
| Noncurrent loans ratio | 0.039 | 0.005 | 98.4th | 887 |
| Return on assets | 0.313 | 1.260 | 4.7th | 902 |
| Return on equity | 1.870 | 12.185 | 3.0rd | 894 |
| Securities to assets | 0.409 | 0.147 | 96.0th | 895 |
| Time deposits maturing within one year | 0.925 | 0.914 | 55.4th | 880 |
| Total assets | 2725901.000 | 2016575.000 | 64.8th | 902 |
| Total deposits | 2121388.000 | 1666886.000 | 62.3th | 902 |
| Efficiency ratio (official UBPR) | 0.834 | 0.591 | 96.0th | 875 |
| Net interest margin (official UBPR) | 0.023 | 0.036 | 3.3th | 875 |
| Interest Income (TE) as a percent of Average Assets | 0.035 | 0.052 | 1.7th | 875 |
| Interest Expense as a percent of Average Assets | 0.012 | 0.018 | 14.1th | 875 |
| Net Interest Income (TE) % of Avg Assets | 0.023 | 0.035 | 3.9th | 875 |
| Noninterest Income as a percent of Average Assets | 0.004 | 0.006 | 31.4th | 875 |
| Non-Interest Expense as a percent of Average Assets | 0.023 | 0.024 | 36.3th | 875 |
| Provision for Loan Losses % of Avg Assets | 0.000 | 0.001 | 29.1th | 875 |
| Pretax Operating Income (TE) % of Avg Assets | 0.004 | 0.016 | 3.4th | 875 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 8.6th | 875 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.004 | 0.016 | 3.4th | 875 |
| Net Operating Income as a percent of Average Assets | 0.003 | 0.013 | 3.3th | 875 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.003 | 0.012 | 3.5th | 875 |
| Average Earning Assets as a percent of Average Assets | 0.976 | 0.956 | 85.4th | 875 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.706 | 0.723 | 41.4th | 875 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.036 | 0.055 | 1.1th | 875 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.023 | 0.037 | 3.3th | 875 |
| Net Loss as a percent of Average Total Loans and Leases | 0.000 | 0.000 | 49.1th | 867 |
| Total LN&LS-30-89 DAYS Past Due % | 0.000 | 0.003 | 9.1th | 867 |
| Net Loans & Leases as a percent of Total Deposits | 0.698 | 0.872 | 15.3th | 870 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.3th | 875 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 4.7th | 875 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 22.1th | 875 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.005 | 0.017 | 2.5th | 875 |
| Return on assets (official UBPR) | 0.003 | 0.013 | 3.5th | 875 |
| Return on equity (official UBPR) | 0.019 | 0.122 | 2.5th | 874 |
| Estimated uninsured to domestic deposits | 0.212 | 0.310 | 19.1th | 829 |
Peer interpretation
$1B–$10B asset cohort · 895 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 890 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | P25–75 | > P75 | > P75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Total depositsDEP | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Net loansLNLSNET | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Return on assetsROA | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Return on equityROE | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Net interest marginNIMY | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.