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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Frankewing, TN · FDIC certificate #1484
BANK OF FRANKEWING is an FDIC-insured institution based in Frankewing, TN (FDIC certificate #1484). In its Q3 2026 Call Report it reported total assets of $389M, total deposits of $340M and net loans of $265M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF FRANKEWING has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $434M in Q1 2026 and were lowest at $389M in Q3 2026.
Total deposits were highest at $384M in Q1 2026 and lowest at $340M in Q3 2026.
Over the whole period total assets fell 10.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $389M | $340M | $265M | 0.35% | 3.06% | 4.10% |
| Q2 2026 | $413M | $365M | $276M | 0.33% | 2.94% | 3.94% |
| Q1 2026 | $434M | $384M | $288M | 0.50% | 4.54% | 3.79% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $78.9M | $84.0M | -$5.1M | -6.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $30.2M | $31.0M | -$837K | -2.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $275.8M | $288.4M | -$12.6M | -4.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $12.0M | $11.9M | +$67K | +0.6% |
| Other real estate owned | $2.6M | $4.7M | -$2.1M | -44.7% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $13.7M | $14.0M | -$278K | -2.0% |
| Total assets | $413.1M | $434.0M | -$20.8M | -4.8% |
| Liabilities | ||||
| Total deposits | $364.6M | $383.8M | -$19.3M | -5.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $69K | $97K | -$28K | -28.9% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.4M | -$181K | -13.2% |
| Total liabilities | $365.8M | $385.3M | -$19.5M | -5.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $8.0M | $8.0M | $0K | 0.0% |
| Surplus | $8.0M | $8.0M | $0K | 0.0% |
| Retained earnings | $32.9M | $34.3M | -$1.4M | -4.1% |
| Accumulated other comprehensive income | -$1.6M | -$1.6M | +$34K | +2.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $47.3M | $48.7M | -$1.4M | -2.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $20.2M | $20.0M | +$181K | +0.9% |
| Adjusted nonperforming assets | $20.2M | $20.0M | +$181K | +0.9% |
| Tangible equity plus allowance | $52.1M | $52.9M | -$764K | -1.4% |
| Texas ratio (gross) | 38.65% | 37.75% | +0.90 pts | See points |
| Texas ratio (adjusted) | 38.65% | 37.75% | +0.90 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 41.79% | 40.72% | +1.07 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.25% | 11.11% | +0.14 pts | See points |
| Construction and land loans to total capital | 52.21% | 50.26% | +1.95 pts | See points |
| Commercial real estate to total capital | 157.46% | 160.12% | -2.66 pts | See points |
| Dividend payout, year to date | 237.06% | 22.91% | +214.15 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.18% | -4.15% | -0.03 pts | See points |
| Liquidity | ||||
| Core deposits | $323.3M | $332.3M | -$9.0M | -2.7% |
| Non-core funding | $41.3M | $51.6M | -$10.3M | -20.0% |
| Loans to core deposits | 86.79% | 88.05% | -1.26 pts | See points |
| Loans to deposits | 76.97% | 76.23% | +0.74 pts | See points |
| Brokered deposits share of deposits | 1.36% | 2.59% | -1.23 pts | See points |
| Pledged securities share of securities | 40.27% | 40.67% | -0.40 pts | See points |
| Loans pledged, share of loans | 6.24% | 6.06% | +0.17 pts | See points |
| Volatile liabilities | $41.3M | $51.6M | -$10.3M | -20.0% |
| Earnings | ||||
| Earnings before provision, year to date | $1.3M | $638K | +$709K | +111.1% |
| Earnings before provision, single quarter | $709K | $638K | +$71K | +11.1% |
| Provision for credit losses, year to date | $880K | $304K | +$576K | +189.5% |
| Yield and cost | ||||
| Yield on loans and leases | 6.76% | 6.61% | +0.14 pts | See points |
| Yield on interest-bearing balances due from banks | 3.62% | 3.61% | +0.00 pts | See points |
| Total interest income to average assets | 5.40% | 5.31% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 1.22% | 1.28% | -0.06 pts | See points |
| Cost of savings and money market deposits | 1.72% | 1.42% | +0.30 pts | See points |
| Cost of time deposits | 3.06% | 3.30% | -0.24 pts | See points |
| Total interest expense to average assets | 1.69% | 1.85% | -0.16 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $389M | $340M | $265M | 0.35% | 3.06% | 4.10% |
| 2026-06-30 | $413M | $365M | $276M | 0.33% | 2.94% | 3.94% |
| 2026-03-31 | $434M | $384M | $288M | 0.50% | 4.54% | 3.79% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $385.7M | 0.17% | 79 | Continuing · -0.03 pp |
| AL | $54M | 0.04% | 124 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.