BlastPoint's Banking Scorecard
Home Federal Bank of Tennessee
Designations: ✓ Community bank
Knoxville, TN
23 branches across TN
Home Federal Bank of Tennessee faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 62.2% in tier
- - Return on Assets 1.13% below tier average
- - Net Interest Margin 1.57% below tier average
- - Delinquency Rate 3.24% above tier average
- - Nonperforming Asset Ratio 1.47% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
-0.5% YoY
+0.0% QoQ
|
-$85.2M |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
66% |
| Total Loans ? |
$1.4B
+12.8% YoY
+2.0% QoQ
|
-$542.9M |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$2.2B
+1.3% YoY
+0.0% QoQ
|
-$180.2M |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
0.24%
+285.3% YoY
+15.6% QoQ
|
-1.13% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.2% in tier |
| Net Interest Margin ? |
2.25%
+20.7% YoY
+8.9% QoQ
|
-1.57% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio ? |
86.83%
-9.7% YoY
-2.6% QoQ
|
+25.77% |
61.06%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.4% in tier |
| Delinquency Rate ? |
4.12%
+924.5% YoY
+0.3% QoQ
|
+3.24% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.8% in tier |
| Loan-to-Deposit Ratio ? |
65.74%
+11.3% YoY
+1.9% QoQ
|
-18.47% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
Top 13.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.93%
-6.9% YoY
-1.8% QoQ
|
-6.36% |
21.29%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
27% |
| Nonperforming Asset Ratio ? |
2.15%
+2.3% QoQ
|
+1.47% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.3% in tier |
| Tier 1 Capital Ratio ? |
17.16%
+2.6% YoY
+1.5% QoQ
|
+2.00% |
15.16%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Top 14.3% in tier |
| Non-Interest Income / Assets ? |
0.10%
+4.8% YoY
-75.7% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
33% |
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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 (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.