BlastPoint's Banking Scorecard

Home Federal Bank of Tennessee

$1B-$10B Specialty: Other TN FDIC cert 29683

Designations: ✓ Community bank

Knoxville, TN

23 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
Deposits +0.1% year over year ($2.1B on the books).
Delinquency rate 3.95%.
Return on assets 0.31%.
Efficiency ratio 83.69% vs a 59.73% peer average.
Loan-to-deposit ratio 69.80% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in TN

View $1B-$10B leaderboard (TN) →

Home Federal Bank of Tennessee faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 4.3% in tier
- Efficiency Drag: Bottom 68.3% in tier
- Return on Assets 1.08% below tier average
- Net Interest Margin 1.53% below tier average
- Delinquency Rate 3.09% above tier average
- Nonperforming Asset Ratio 1.47% above tier average

Get updates when Home Federal Bank of Tennessee releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$2.7B +0.3% YoY -0.2% QoQ	-$67.4M	$2.8B -0.6% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	65%
Total Loans ?	$1.5B +13.8% YoY +4.1% QoQ	-$482.5M	$2.0B -0.3% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	52%
Total Deposits ?	$2.1B +0.1% YoY -1.9% QoQ	-$197.5M	$2.3B -0.5% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	62%
Return on Assets ?	0.31% +206.4% YoY +31.5% QoQ	-1.08%	1.39% +17.0% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	Bottom 3.7% in tier
Net Interest Margin ?	2.34% +21.8% YoY +4.0% QoQ	-1.53%	3.87% +6.2% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	Bottom 3.1% in tier
Efficiency Ratio ?	83.69% -11.1% YoY -3.6% QoQ	+23.96%	59.73% -12.6% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	Bottom 4.4% in tier
Delinquency Rate ?	3.95% +887.4% YoY -4.1% QoQ	+3.09%	0.87% +11.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	Bottom 1.9% in tier
Loan-to-Deposit Ratio ?	69.80% +13.7% YoY +6.2% QoQ	-15.24%	85.04% -0.1% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	85%
Non-Interest-Bearing Deposit Share ?	14.38% -7.3% YoY -3.7% QoQ	-6.89%	21.27% -1.5% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	25%
Nonperforming Asset Ratio ?	2.15% +0.0% QoQ	+1.47%	0.67% +11.7% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	Bottom 5.6% in tier
Tier 1 Capital Ratio ?	17.16% +3.1% YoY -0.0% QoQ	+2.31%	14.84% -0.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	Top 14.4% in tier
Non-Interest Income / Assets ?	0.21% +4.0% YoY +102.2% QoQ	-0.32%	0.53% +2.5% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	33%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Noninterest-Bearing	14.4% -1.1pp YoY -0.6pp QoQ	-7.0pp	21.4%	18.8%	22.2%	24%
Brokered Deposits	n/a	n/a	9.5%	9.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	2.7% -0.6pp YoY +0.1pp QoQ	-11.3pp	14.0%	10.9%	12.5%	9%
CRE	39.5% -0.7pp YoY +0.7pp QoQ	-10.6pp	50.0%	42.4%	41.4%	24%
1-4 Family	53.2% +1.5pp YoY -0.2pp QoQ	+26.7pp	26.4%	39.8%	31.3%	91%
Consumer	0.3% -0.1pp YoY 0.0pp QoQ	-4.4pp	4.7%	4.5%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	14.8%	19.7%	n/a
Leverage Ratio	17.2% +0.5pp YoY 0.0pp QoQ	+5.8pp	11.3%	11.4%	12.6%	96%
Total Capital Ratio	n/a	n/a	16.7%	15.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	366 -1 (-0.3%) YoY +18 (+5.2%) QoQ	+52	313	270	482	74%
Assets per Employee ($)	$7.4M +0.6% YoY -5.1% QoQ	-$3.0M	$10.5M	$7.1M	$8.8M	30%
Branch Count	23 0 YoY 0 QoQ	+3	20	17	18	72%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.1pp	0.2%	0.2%	0.4%	43%
Nonaccrual	3.9% +3.5pp YoY -0.2pp QoQ	+3.1pp	0.8%	0.7%	1.0%	98%
Allowance Coverage	0.23x -90.8% YoY +2.1% QoQ	-18.48x	18.71x	28.97x	20.23x	1%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	47%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	1.9% +1.2pp YoY +0.4pp QoQ	-10.7pp	12.6%	10.9%	11.6%	3%
Cost of Funds (YTD)	1.2% -0.1pp YoY 0.0pp QoQ	-0.7pp	1.9%	2.0%	1.7%	11%
Net Income ($, YTD)	$4.3M +206.2% YoY — QoQ	-$15.0M	$19.2M	$16.7M	$40.4M	8%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk

#8 of 162 • Bottom 4.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.31%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

Efficiency Drag

risk

#42 of 60 • Bottom 68.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.69%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

128

Tier 1 Capital Ratio

capital

Value: 17.16%

Peer Median: 14.84%

#128 of 885 Top 14.4% in $1B-$10B

136

Loan-to-Deposit Ratio

liquidity

Value: 69.80%

Peer Median: 85.04%

#136 of 885 Top 15.3% in $1B-$10B

Top Weaknesses (6 metrics)

866

Delinquency Rate

credit_quality

Value: 3.95%

Peer Median: 0.87%

#866 of 882 Bottom 1.9% in $1B-$10B

859

Net Interest Margin

profitability

Value: 2.34%

Peer Median: 3.87%

#859 of 885 Bottom 3.1% in $1B-$10B

853

Return on Assets

profitability

Value: 0.31%

Peer Median: 1.39%

#853 of 885 Bottom 3.7% in $1B-$10B

847

Efficiency Ratio

profitability

Value: 83.69%

Peer Median: 59.73%

#847 of 885 Bottom 4.4% in $1B-$10B

836

Nonperforming Asset Ratio

credit_quality

Value: 2.15%

Peer Median: 0.67%

#836 of 885 Bottom 5.6% in $1B-$10B

667

Non-Interest-Bearing Deposit Share

funding

Value: 14.38%

Peer Median: 21.27%

#667 of 885 Bottom 24.7% in $1B-$10B