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Home Federal Bank of Tennessee
Knoxville, TN·FDIC Cert #29683·Charter: OCC·Est. 19360615.0
Total Assets
$2.7B
Q4 2025
Return on Assets
0.21%
+0.05%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
89.15%
Peer avg: 58.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
46
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.21%+0.05
ROE
1.24%+0.28
Efficiency
89.15%-2.02
Equity/Assets
0.00%+0.00
NPL Ratio
4.11%+3.63
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
64.48%+1.21
Charge-offs
0.00%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | -0.1 | 0.1 | 0.0 | 0.0 | 0.1 | 0.1 | 0.2 | 0.2 |
| ROE | -0.9 | 0.5 | 0.3 | 0.2 | 0.4 | 0.6 | 1.0 | 1.2 |
| Efficiency | 109.9 | 96.6 | 98.4 | 99.3 | 96.2 | 94.1 | 91.2 | 89.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 4.9 | 0.4 | 0.6 | 0.4 | 0.4 | 0.4 | 0.5 | 4.1 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 58.7 | 57.8 | 58.6 | 58.3 | 59.1 | 61.4 | 63.3 | 64.5 |
Balance Sheet
Total Assets$2.7B
Total Deposits$2.2B
Total Loans$1.4B
Total Equity$455.1M
Profitability
ROA0.21%
ROE1.24%
Efficiency Ratio89.15%
Net Income$5.6M
Risk & Asset Quality
NPL Ratio4.11%
Charge-off Rate0.00%
Loan/Deposit64.48%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans