Side-by-side · Q2 2026 data
Home Federal Bank of Tennessee vs SmartBank
Metric by metric
| Measure | Home Federal Bank of Tennessee | SmartBank |
|---|---|---|
| TellerScore | 57 | 66 (stronger) |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 0 | 92 (stronger) |
| Earnings | 33 | 65 (stronger) |
| Funding & liquidity | 83 (stronger) | 38 |
| Problem-loan coverage | 75 | 97 (stronger) |
| Peer percentile | 16th | 40th |
| Total assets | $2.7B | $6.1B |
| Deposits / shares | $2.1B | $5.4B |
| Capital ratio | 17.16% (stronger) | 9.86% |
| Problem loans | 3.92% | 0.24% (stronger) |
| Net charge-offs | 0.04% | 0.03% (stronger) |
| Return on assets | 0.31% | 1.12% (stronger) |
| Loans ÷ deposits | 69.8% (stronger) | 86.2% |
| Uninsured deposits | 21.2% (stronger) | 47.9% |
| Offices | 23 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.9% |
SmartBank has the higher TellerScore (66 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Home Federal Bank of Tennessee leads on 3 and SmartBank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Knoxville, TN
- Sevierville, TN
- Gatlinburg, TN
- Maryville, TN
- Pigeon Forge, TN
- Seymour, TN