TellerScore

Bank of Frankewing is a state-chartered bank headquartered in Frankewing, Tennessee, in business for about 106 years. At the end of Q2 2026 it reported $413.1M in total assets and $364.6M in deposits, with 4 offices across 2 states.

Bank of Frankewing has a TellerScore of 41 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 107th. Funding & liquidity contributes the most (85/100, 76% loans-to-deposits, 11% uninsured); loan quality contributes the least (0/100, 6.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.25%
Loan quality0/100
Noncurrent loans ÷ total loans: 6.25%
Earnings33/100
Return on assets (annualized): 0.33%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 75.6% · 11.1% uninsured
Problem-loan coverage23/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 38.65%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (34 → 41), mostly because the problem-loan coverage component improved by 22 points.

TellerScore
293642Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202438
Q3 202435
Q4 202429
Q1 202533
Q2 202534
Q3 202536
Q4 202537
Q1 202642
Q2 202641
Tier 1 leverage ratio
5.00%8.13%11.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.74%
Q3 20249.57%
Q4 20249.40%
Q1 202510.11%
Q2 202510.02%
Q3 202510.26%
Q4 202510.46%
Q1 202611.11%
Q2 202611.25%
Noncurrent loans
4.66%5.76%6.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20244.66%
Q3 20245.60%
Q4 20246.08%
Q1 20255.94%
Q2 20256.54%
Q3 20256.86%
Q4 20255.39%
Q1 20265.21%
Q2 20266.25%
Return on assets
0.05%0.33%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20240.48%
Q4 20240.05%
Q1 20250.29%
Q2 20250.24%
Q3 20250.26%
Q4 20250.11%
Q1 20260.50%
Q2 20260.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202641$413.1M11.25%6.25%0.33%75.6%
Q1 202642$434.0M11.11%5.21%0.50%75.1%
Q4 202537$446.4M10.46%5.39%0.11%74.3%
Q3 202536$482.6M10.26%6.86%0.26%73.0%
Q2 202534$489.9M10.02%6.54%0.24%75.9%
Q1 202533$503.0M10.11%5.94%0.29%83.3%
Q4 202429$508.1M9.40%6.08%0.05%84.3%
Q3 202435$548.8M9.57%5.60%0.48%81.5%
Q2 202438$548.9M9.74%4.66%0.60%82.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.25%
55th
Total risk-based capital0.00%
24th
Problem loans6.25%
1st
Net charge-offs0.94%
2nd
Return on assets0.33%
8th
Net interest margin3.94%
50th
Efficiency ratio85.2%
9th
Loans to deposits75.6%
58th
Uninsured deposits11.1%
92nd
Loan-loss reserves1.73%
88th
Texas ratio38.6%
1st

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
First Vision Bank of TennesseeBank Tullahoma, TN77 out of 100, Strong$414.2M12.4%0.08%vs
Heritage Bank & TrustBank Columbia, TN65 out of 100, Moderate$417.8M8.5%0.36%vs
Coffee County BankBank Manchester, TN76 out of 100, Strong$427.6M9.6%0.18%vs
Volunteer Federal Savings BankBank Madisonville, TN75 out of 100, Strong$397.1M11.2%0.34%vs
Security Federal Savings Bank of McMinnvilleBank Mcminnville, TN80 out of 100, Strong$386.0M11.9%0.00%vs
RockPointBank, National AssociationBank Chattanooga, TN68 out of 100, Moderate$384.5M12.1%0.13%vs

Deposit insurance

Is my money safe at Bank of Frankewing?

Yes. Bank of Frankewing is an FDIC-insured institution (FDIC certificate #1484). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.1% of deposits ($40.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Bank of Frankewing lists 4 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Frankewing reported 208 home-loan applications under HMDA (LEI 254900IUXHAK73AEH918): 143 originated ($37,465,000 total), 18 denied, and 43 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Frankewing
Type
State-chartered bank
FDIC certificate #
1484
RSSD ID
166531
Primary regulator
FDIC
Holding company
Frankewing Bancshares Inc
Established
December 13, 1920
Headquarters
2324 Highway 64, Frankewing, TN 38459
Employees
70

Quick answers

Bank of Frankewing: common questions

Is Bank of Frankewing FDIC insured?

Yes. Bank of Frankewing is an FDIC-insured institution (FDIC certificate #1484). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Frankewing's TellerScore?

41 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Frankewing ever failed?

There is no failure record for FDIC certificate #1484 in the FDIC failed bank list.

How many branches does Bank of Frankewing have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Frankewing

InstitutionScoreAssetsCapitalProblem loansCompare
Tennessee Department of Safety Credit UnionCredit union Nashville, TN93 out of 100, Very strong$12.0M26.6%0.00%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
Bank of Lincoln CountyBank Fayetteville, TN86 out of 100, Very strong$230.1M12.2%0.01%vs
Redstone Federal Credit UnionCredit union Huntsville, AL85 out of 100, Very strong$8.6B13.9%0.70%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs
North Alabama BankBank Hazel Green, AL80 out of 100, Strong$178.6M11.7%0.15%vs