# BANK OF FRANKEWING
FRANKEWING, TN · FDIC certificate 1484 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $413.1M | |
| Deposits | $364.6M | |
| Loans and leases | $280.6M | |
| Total equity | $47.3M | |
| Loans / deposits | 75.65% (p36 of band) | 82.04% |
| Liquid assets / assets | 26.40% (p54 of band) | |
| Uninsured deposits / deposits | 11.09% (p6 of band) | 25.97% |
| Brokered deposits | 1.20% | |
| Wholesale funding | 1.22% (p36 of band) | |
| FHLB advances / assets | 0.02% | |
| Tier 1 leverage | 11.25% (p59 of band) | 10.81% |
| Unrealized securities loss / equity | -4.22% (p67 of band) | -8.10% |
| AOCI / equity | -0.10% (p66 of band) | |
| ROA (annualized) | 0.33% (p7 of band) | 1.28% |
| Net interest margin | 3.94% (p52 of band) | 3.91% |
| Efficiency ratio | 85.23% (p92 of band) | |
| Noncurrent loans | 6.25% (p99 of band) | 0.43% |
| Net charge-offs (annualized) | 0.63% (p97 of band) | |
| Reserve coverage of noncurrent | 27.60% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 58.07% (p62 of band) | |
| Auto loans | $2.1M (0.74% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -17.1% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | noncurrent p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | uninsured deposits leaving |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | noncurrent p90, reserve under noncurrent | capital falling |
| 2023-09 | 5 | losing money, charge-offs p90 |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 | uninsured deposits leaving | losing money, charge-offs p90 |
| 2024-06 | 5 | charge-offs p90 |  |
| 2024-09 | 5 | capital falling | construction >100% equity |
| 2024-12 | 6 | construction >100% equity |  |
| 2025-03 | 7 | expense ratio p90, deposits shrinking, assets shrinking | capital falling, construction >100% equity |
| 2025-06 | 7 |  |  |
| 2025-09 | 7 |  |  |
| 2025-12 | 6 |  | uninsured deposits leaving |
| 2026-03 | 6 |  |  |
| 2026-06 | 6 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-03-25 [Fed hands Tennessee bank a cease-and-desist order - Banking Dive](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNY1JsdFI4VFdYVDkwTDFDR1AwUWdsNGplMEgyWlFqVUhudFhmWGJoOWVCeVhybzE1bnZfaEFvX0Vodmh2ekYwWW5KOG9Ja2FIOF9EVHdPMEctUUV3MmRsQVJBOHpMUzNQRUtzT0tBQmotMzMwVHR6X0wxVFVQYWt5Ul93S0dwQkczRFZWelMwMTd2S3hQTmZvY3BqZkt6MEtxcWRxQkk1dVQ?oc=5) · Banking Dive
- 2020-04-20 [Alyssa Elaine Jones - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMijgFBVV95cUxQa2tqTFNGVGlVTDBKNGNzcTZiQm5qLTdKN29xSGlmMXZVdVRfS29JQ1UzZU1FRnFucWU4aDJjbERYeUtxa3dtbE5YaXBqQnotY3dDem1DNF8wNzFlOW5NWW95THl5VVB6MkNqeUdvUkozczNtbzFNZmN3Z1VQRTM2ZmI0U0RlZ2ViX1NHczh3?oc=5) · Main Street Media of Tennessee
- 2010-12-19 [Trent Holt Obituary - Visitation & Funeral Information - Bennett-May & Pierce Funeral Home & Crematory](https://news.google.com/rss/articles/CBMib0FVX3lxTE1uR0NxeFpPNENVamswam93a1pZR2l0anM1dko1OURrOWs3RjlQYnlvUnd5VUtvVEpMYnViRmFMRE5vdkJ4emNWU0ROa3RZTXNVWEgtMWlTRlE3dkUtYTRFWFlGaXpXMUdfem8zcXM3RQ?oc=5) · Bennett-May & Pierce Funeral Home & Crematory
- 2018-05-04 [May Pardon Obituary - Pulaski, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE5zQkNCczQyV080ek5EQkRFVElnQWRxM0UxNURaSDloOFZqZnZqWEkzTWpvVG03S1Z1U3E5ZHhfRUpLQldoeGs3U2RnNElGdzVfMzgwMU56dGVveXRZc3FkUjU2alBMMlBtSWFCXzdKYkRjMmFFUUhZaWVocnU?oc=5) · Dignity Memorial
- 2015-02-08 [Bond Convicted Of First Degree Murder In 2013 Death - Lawrenceburg Now](https://news.google.com/rss/articles/CBMiVkFVX3lxTFBqekpUZnJ4QjUwemx3YS03a1BTWjEzOGxpZm1OdUlTNWd5Z2ltWTk1VkF0dHVuaVphUnFNRFhlLVdxcXo5WlBQWlpfTzdTRHpjV1FpZXhn?oc=5) · Lawrenceburg Now
- 2018-04-04 [Judith Jernigan Obituary - Pulaski, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPbnRjM3kxaVdQaXJsWHVveTJoYXNpQm5WTkZwY0s5c0s0NnNQcmNldzY3clhPbms0VjQycE42d3dTYmpyYTBDZHNvUGhnYnppLXpqUGczMG1aa19WVWpvdzl6amtqZ00xZE1kblNFZk94dGFHcFAtV1psSmoxQllEOERHSQ?oc=5) · Dignity Memorial
- 2018-03-16 [Michael Siniard Obituary - Pulaski, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxQMU1hcFlMMjRuVXJ5NXR4TXppdXVkeXdNZlhIcGFDSzNWblgtZ05sTXo4QUpRN3JUZ3dfQW80ZS0yRm10cHJ4ZGRnUjRnbUI1Mm9XS01WZHJKUUFHRVlCcU1VT0lzYVBfOEZOdll6NDk0SjhqV055Sk9FTWsyOVJYSWQ4SQ?oc=5) · Dignity Memorial
- 2018-03-24 [Frank Pickett Obituary - Pulaski, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxPYWlmVm1NbXV4M3FHdWY2Rl92VmJ4eUFUUHkzS3EtdUVOSjBqOXFGUDlldmx3WFZvbzFPSUdVNGZieUlBSzBXYU1Db25UNE9ZbDNIVF9lYlBuTVMwRmxOV0d6anNPUHNCa1VYX21uR0l3Y1E4MWtuY2Uyc1JQc1A5NQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1484 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "1484", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide