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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Tennessee, the state note

Home Federal Bank of Tennessee

Knoxville, Tennessee · $2.73B in assets · beside the 11 other Tennessee banks between $1B and $3B

The filing

16.8%
Equity / assets
1st of 12
3.92%
NPA / loans
12th of 12
0.31%
ROA
12th of 12

Home Federal Bank of Tennessee is the largest of the 12 Tennessee banks nearest its size between $1B and $3B, with $2.73B in assets at 30 June 2026. Loans are 70.4% of deposits, 2nd of 12 against a median of 77.5%, and equity is 16.8% of assets, the highest in the cohort. Loans grew +13.7% in the year, 4th of 12, and deposits grew 0.1%; the cohort's median loan growth is +7.1%.

Noncurrent loans are 3.92% of the book, the highest in the cohort against a median of 0.40%; 0.03% is 30 to 89 days past due, and the allowance covers them 0.2 times. Commercial real estate is 29.7% of loans, 3rd of 12 against a median of 37.7%, and 95% of capital, below the 300% screen, with construction at 36% against the 100% screen.

Return on assets is 0.31%, the lowest in the cohort against a median of 1.67%, on an efficiency ratio of 83.7%, the highest in the cohort. Five years ago it was 0.41%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Nonperforming loans, share of loansTN banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.40% OB One Bank of Tennessee 0.01% SB Security Bank & Trust Co. 0.02% CN Citizens National Bank 0.04% FF First Farmers & Merchants Bank 0.12% FN First National Bank of Pulaski 0.24% CB Commercial Bank 0.35% Bo Bank of Tennessee 0.45% BB Builtwell Bank 0.57% CT Citizens Tri-county Bank 0.75% IB Independent Bank 0.85% WB Wellworth Bank 1.39% HF Home Federal Bank of Tennessee 3.92%
Loans, year over yearTN banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.1% BB Builtwell Bank +22.8% SB Security Bank & Trust Co. +19.3% Bo Bank of Tennessee +16.1% HF Home Federal Bank of Tennessee +13.7% CT Citizens Tri-county Bank +9.8% CB Commercial Bank +8.4% WB Wellworth Bank +5.7% CN Citizens National Bank +4.3% IB Independent Bank +3.6% FN First National Bank of Pulaski +3.4% FF First Farmers & Merchants Bank +3.3% OB One Bank of Tennessee +1.6%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers, Home Federal among them; owner-occupied excluded; bold marks a screen met
Home FederalRankCohort median
Total CRE against capital, the 300% screen95%1st of 12226%
Construction against capital, the 100% screen36%2nd of 1272%
Construction and land development, share of loans11.2%6th of 1211.4%
Non-owner-occupied nonfarm nonresidential, share of loans16.3%5th of 1217.7%
Total CRE, the guidance definition, share of loans29.7%3rd of 1237.7%
CRE growth over 36 months, the third prong+17.1%5th of 12+25.8%
Commercial real estate against capital, the 300% screenTN banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 226% HF Home Federal Bank of Tennessee 95% IB Independent Bank 114% OB One Bank of Tennessee 181% FN First National Bank of Pulaski 193% WB Wellworth Bank 211% FF First Farmers & Merchants Bank 216% SB Security Bank & Trust Co. 237% CT Citizens Tri-county Bank 273% BB Builtwell Bank 304% CB Commercial Bank 307% CN Citizens National Bank 331% Bo Bank of Tennessee 375%
CRE growth over 36 months, the guidance's third prongTN banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +25.8% IB Independent Bank -1.8% FN First National Bank of Pulaski +3.5% FF First Farmers & Merchants Bank +12.3% OB One Bank of Tennessee +13.8% HF Home Federal Bank of Tennessee +17.1% CN Citizens National Bank +21.7% CT Citizens Tri-county Bank +29.9% BB Builtwell Bank +35.5% Bo Bank of Tennessee +42.2% WB Wellworth Bank +52.2% CB Commercial Bank +53.0% SB Security Bank & Trust Co. +134.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Home Federal Bank of Tennessee$2.73B0.3%83.7%3.92%0.03%0.9%70.4%16.8%
Commercial Bank$2.36B1.9%42.4%0.35%-0.01%1.0%101.2%11.1%
Builtwell Bank$2.28B2.1%47.6%0.57%-0.05%1.5%77.8%12.0%
Bank of Tennessee$2.25B1.8%56.7%0.45%0.01%0.9%100.8%8.8%
Citizens National Bank$1.96B2.0%42.7%0.04%0.00%1.2%76.4%9.8%
Independent Bank$1.85B1.3%60.7%0.85%0.36%1.1%82.4%10.5%
Wellworth Bank$1.84B1.3%57.5%1.39%0.04%1.1%82.4%9.8%
First Farmers & Merchants Bank$1.76B1.2%61.7%0.12%0.00%0.8%66.3%10.1%
Security Bank & Trust Co.$1.70B1.6%46.8%0.02%0.01%0.3%84.0%10.8%
One Bank of Tennessee$1.67B2.2%49.3%0.01%0.02%0.7%74.0%8.8%
Citizens Tri-county Bank$1.64B1.8%54.5%0.75%0.05%1.6%72.7%9.1%
First National Bank of Pulaski$1.50B1.4%53.6%0.24%0.01%1.3%77.3%10.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Home FederalCohort median
20212026Change20212026Change
Loans$1.09B$1.49B+37%$867M$1.30B+50%
Deposits$2.12B$2.12B+0%$1.21B$1.59B+32%
NPA / loans0.82%3.92%+3.10 pts0.35%0.40%+0.04 pts
Efficiency77.9%83.7%+5.8 pts59.6%54.0%-5.6 pts
ROA0.41%0.31%-0.10 pts1.32%1.67%+0.35 pts

This read was prepared for Home Federal Bank of Tennessee's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Home Federal Bank of Tennessee is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TN banks $1B to $3B
Institution www.homefederalbanktn.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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