Home Federal Bank of Tennessee

Knoxville, TennesseeFDIC Cert #29683

OCCEstablished 193623 branches

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$132M
Investor CRE	$245M
Multifamily	$20.3M
Construction	$154M
1–4 family	$759M
C&I	$37M
Agriculture	$421K
Other	$87M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$1.43B

+12.6%y/y

Percentile by value50th percentileby value

FDICLNLSGR

Net loans

$1.42B

+12.8%y/y

Percentile by value50th percentileby value

FDICLNLSNET

Loans YoY

+12.76%

+3,981.2%y/y

Percentile by value90th percentileby value

FDICLNLSNET

L/D

65.7%

+11.3%y/y

Percentile by value11th percentileby value

FDICLNLSNET + DEP

Loans/assets

52.1%

+13.4%y/y

Percentile by value7th percentileby value

FDICLNLSNET + ASSET

RE loans %

94.83%

+0.7%y/y

Percentile by value48th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,313points

+7.2%y/y

Peer standing44th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

9.18%

−1.6%y/y

Percentile by value63rd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

17.07%

−5.9%y/y

Percentile by value59th percentileby value

FDICLNRENROT + LNLSGR

C&I %

2.58%

−20.4%y/y

Percentile by value30th percentileby value

FDICLNCI + LNLSGR