# HOME FEDERAL BANK OF TN
KNOXVILLE, TN · FDIC certificate 29683 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.73B | |
| Deposits | $2.12B | |
| Loans and leases | $1.49B | |
| Total equity | $459.1M | |
| Loans / deposits | 69.80% (p16 of band) | 87.10% |
| Liquid assets / assets | 42.78% (p92 of band) | |
| Uninsured deposits / deposits | 21.23% (p20 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.09% (p41 of band) | |
| FHLB advances / assets | 0.55% | |
| Tier 1 leverage | 17.16% (p96 of band) | 10.50% |
| Unrealized securities loss / equity | -13.81% (p32 of band) | -7.75% |
| AOCI / equity | -0.06% (p69 of band) | |
| ROA (annualized) | 0.31% (p5 of band) | 1.26% |
| Net interest margin | 2.34% (p4 of band) | 3.70% |
| Efficiency ratio | 83.69% (p96 of band) | |
| Noncurrent loans | 3.92% (p98 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p46 of band) | |
| Reserve coverage of noncurrent | 22.62% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 36.34% (p38 of band) | |
| Auto loans | $151,000 (0.01% of loans; DQ 7.95%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.1% | |
| Employees | 366 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | securities losses >30% of equity |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | capital falling, NIM <2.5% |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | expense ratio p90 | capital falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 | securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 6 | noncurrent p90, reserve under noncurrent, deposits shrinking |  |
| 2023-09 | 5 |  | deposits shrinking |
| 2023-12 | 6 | capital falling |  |
| 2024-03 | 8 | wholesale funding >15%, losing money |  |
| 2024-06 | 5 |  | noncurrent p90, reserve under noncurrent, losing money |
| 2024-09 | 2 |  | securities losses >30% of equity, capital falling, wholesale funding >15% |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | assets shrinking |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | noncurrent p90, reserve under noncurrent | assets shrinking |
| 2026-03 | 4 |  |  |
| 2026-06 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-26 [One lot sells twice in two days! - Knox TN Today](https://news.google.com/rss/articles/CBMibEFVX3lxTFBjM1dXQTFvZDB0REVEQ2tvNGN2YTdHOURGekRXTnd6WW1uMXJDVkF1N1hXRHFna21STklKbzhDOXg0eVM2blNuY1BOVXZBbTBEaF93TXBTb19uQ1NZVjhUUFI2M3FDbEFUcGN4OQ?oc=5) · Knox TN Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29683 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "29683", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide