Bank of Frankewing
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Data as of · sourced from FFIEC call reports. How we update
Bank of Frankewing is an FDIC-insured commercial bank headquartered in Frankewing, TN, established in 1920 (FDIC certificate 1484), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $413.1M, down 15.7% from Q2 2025, the 61st largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.25% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1484
- Headquarters
- Frankewing, TN
- Established
- 1920
- Total assets, Q2 2026
- $413.1M
- Assets vs Q2 2025
- -15.7%
- Tier 1 leverage ratio, Q2 2026
- 11.25%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 064106775
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Frankewing call report
- Holding company
- FRANKEWING BANCSHARES, INC.
- Asset rank in state
- 61st of 109 in Tennessee
Bank of Frankewing spends more to run itself than most banks of its size. It reported $413 million in assets at June 30, 2026, down 15.7% from a year earlier. It earns about $0.15 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $157,000 was 32% below a year earlier. Its $55 million non-owner-occupied commercial real estate book is improving, with 3.96% past due or on nonaccrual, down from 5.24% a year earlier. Credit is the area to watch: it carries problem assets equal to 38.6% of the capital and reserves that would absorb them, 14.6 times the median of 2.6% for banks its size.
As of June 30, 2026, Bank of Frankewing reported a return on assets of 0.15%, a nonperforming-loan ratio of 6.25% and a Texas ratio of 38.65%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Frankewing is the 61st largest of the 109 banks headquartered in Tennessee. Between Q1 2026 and Q2 2026, its total assets fell 4.8% to $413.1M, loans fell 4.1% and deposits fell 5.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.5% of total loans, followed by non-owner-occupied commercial real estate loans at 19.6%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Pulaski office books 44% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Frankewing meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2324 Highway 64, Frankewing, TN 38459
- County
- Giles
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 13, 1920
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $364.6M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- $1.4M
- Average total assets
- $425.7M
- Average total loans
- $286.8M
- Average interest-bearing deposits
- $286.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1484
- Fed RSSD
- 166531
- Website
- www.bankoffrankewing.com →
- Parent Holding Company
- FRANKEWING BANCSHARES, INC. (RSSD 1136447)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Frankewing reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Frankewing's total assets ran between $413.1M (Q2 2026) and $548.9M (Q2 2024), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$413.1M total assets against $489.9M; $365.8M total liabilities against $441.8M.
$275.8M net loans and leases against $333.8M; $364.6M total deposits against $439.7M.
$30.2M securities against $34.4M; $78.9M cash and balances due against $90.1M.
$5.8M total interest income against $7.3M; $1.8M total interest expense against $2.9M.
$4.0M net interest income against $4.4M.
$795K total noninterest income against $313K; $4.0M total noninterest expense against $4.5M.
$576K provision for credit losses against $1K.
$157K net income against $232K.
0.15% return on assets against 0.19%; 4.00% net interest margin against 3.82%.
11.25% tier 1 leverage ratio against 10.02%.
Inside the full Bank of Frankewing terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Bank of Frankewing rankings
Its closest position to the top of a national ranking is 29 of 3,640, for Texas Ratio; its furthest is 3,463 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.25% (Q4 2024) to 0.50% (Q1 2026) and its net interest margin ran from 3.64% (Q3 2025) to 4.00% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.25% | 0.15% | 6.25% | 38.65% | 4.00% |
| Q1 2026 | 11.11% | 0.50% | 5.21% | 37.75% | 3.71% |
| Q4 2025 | 10.46% | -0.39% | 5.39% | 37.12% | 3.76% |
| Q3 2025 | 10.26% | 0.31% | 6.86% | 46.39% | 3.64% |
| Q2 2025 | 10.02% | 0.19% | 6.54% | 49.65% | 3.82% |
| Q1 2025 | 10.11% | 0.29% | 5.94% | 49.65% | 3.96% |
| Q4 2024 | 9.40% | -1.25% | 6.08% | 51.65% | 3.90% |
| Q3 2024 | 9.57% | 0.25% | 5.60% | 39.88% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pulaski Branch | Pulaski , TN | 38478 | $160.6M |
| Bank of Frankewing (main office) | Frankewing , TN | 38459 | $92.6M |
| Lawrenceburg Branch | Lawrenceburg , TN | 38464 | $76.7M |
| Hazel Green Branch | Hazel Green , AL | 35750 | $34.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, FRANKEWING BANCSHARES, INC., not the bank itself
- February 20, 2025, Federal Reserve: Cease and Desist Order: Frankewing Bancshares, Inc., Frankewing, Tennessee
- Period: Most recent institution action February 20, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TN, rank 87 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 211 applications, 143 loans originated, $37.5M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Frankewing
What are Bank of Frankewing's total assets?
As of the Q2 2026 filing, Bank of Frankewing reported total assets of $413.1 million in its FFIEC call report.
Where is Bank of Frankewing headquartered?
It is headquartered in Frankewing, TN, United States.
When was Bank of Frankewing founded?
It was established in 1920, per the FDIC institution directory.
Is Bank of Frankewing FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1484). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Frankewing?
Bank of Frankewing's primary federal regulator is the FDIC.
How many branches does Bank of Frankewing operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Frankewing's Texas Ratio?
Its Texas Ratio is 38.65% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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