BlastPoint's Banking Scorecard
Home Federal Bank of Tennessee
Community
Specialty: Other
TN
FDIC cert 29683
Knoxville, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Home Federal Bank of Tennessee faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 14% in Community
- - Efficiency Drag: Bottom 74% in Community
- - Return on Assets 0.96% below tier
- - Net Interest Margin 1.60% below tier
- - Delinquency Rate 3.48% above tier
- - Nonperforming Asset Ratio 1.60% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+0.1% YoY
+0.5% QoQ
|
+$1.3B |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$1.4B
+10.7% YoY
+2.8% QoQ
|
+$419.0M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$2.2B
+0.1% YoY
+0.9% QoQ
|
+$997.9M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.21%
+716.7% YoY
+29.4% QoQ
|
-0.96% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.07%
+36.6% YoY
+2.9% QoQ
|
-1.60% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
89.15%
-10.2% YoY
-2.2% QoQ
|
+26.52% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
4.11%
+887.9% YoY
+751.2% QoQ
|
+3.48% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
64.48%
+10.6% YoY
+1.9% QoQ
|
-18.58% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.20%
-5.4% YoY
-4.6% QoQ
|
-5.85% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
2.10%
+993.1% YoY
+770.9% QoQ
|
+1.60% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.42%
+6.8% YoY
+41.0% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Capital Thin
risk
#62 of 432 · Bottom 14% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#113 of 152 · Bottom 74% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
89.15%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.21%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Community
Why this stands out
Current:
2.07%
(Tier avg: 3.66%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
4.11%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.10%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.48% · Tier avg: 83.06%
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.20% · Tier avg: 21.05%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.10% · Tier avg: 0.50%
5
5th pctile
Return on Assets
Current: 0.21% · Tier avg: 1.16%
4
4th pctile
Efficiency Ratio
Current: 89.15% · Tier avg: 62.63%
2
2th pctile
Net Interest Margin
Current: 2.07% · Tier avg: 3.66%
0
0th pctile
Delinquency Rate
Current: 4.11% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 4.11% · Tier avg: 0.63%
2
2th pctile
Net Interest Margin
Current: 2.07% · Tier avg: 3.66%
4
4th pctile
Efficiency Ratio
Current: 89.15% · Tier avg: 62.63%
5
5th pctile
Return on Assets
Current: 0.21% · Tier avg: 1.16%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.10% · Tier avg: 0.50%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.20% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.48% · Tier avg: 83.06%
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B