Side-by-side · Q2 2026 data
Citizens National Bank vs Home Federal Bank of Tennessee
Metric by metric
| Measure | Citizens National Bank | Home Federal Bank of Tennessee |
|---|---|---|
| TellerScore | 82 (stronger) | 57 |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 100 (stronger) | 33 |
| Funding & liquidity | 58 | 83 (stronger) |
| Problem-loan coverage | 99 (stronger) | 75 |
| Peer percentile | 93rd | 16th |
| Total assets | $2.0B | $2.7B |
| Deposits / shares | $1.7B | $2.1B |
| Capital ratio | 11.17% | 17.16% (stronger) |
| Problem loans | 0.04% (stronger) | 3.92% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 2.00% (stronger) | 0.31% |
| Loans ÷ deposits | 75.5% | 69.8% (stronger) |
| Uninsured deposits | 38.8% | 21.2% (stronger) |
| Offices | 21 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | — |
Citizens National Bank has the higher TellerScore (82 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 4 and Home Federal Bank of Tennessee on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Knoxville, TN
- Sevierville, TN
- Pigeon Forge, TN
- Gatlinburg, TN
- Seymour, TN