# FRANKLIN SYNERGY BANK
FRANKLIN, TN · FDIC certificate 58714 · asset band $1-10B · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $3.77B | |
| Deposits | $3.14B | |
| Loans and leases | $2.86B | |
| Total equity | $476.3M | |
| Loans / deposits | 89.62% (p56 of band) | 87.07% |
| Liquid assets / assets | 19.61% (p40 of band) | |
| Uninsured deposits / deposits | 43.77% (p81 of band) | 28.71% |
| Brokered deposits | 10.79% | |
| Wholesale funding | 13.48% (p76 of band) | |
| FHLB advances / assets | 2.65% | |
| Tier 1 leverage | 11.85% (p86 of band) | 9.64% |
| Unrealized securities loss / equity | 4.38% (p71 of band) | 2.50% |
| AOCI / equity | 0.12% (p20 of band) | |
| ROA (annualized) | 0.76% (p36 of band) | 0.94% |
| Net interest margin | 3.30% (p38 of band) | 3.46% |
| Efficiency ratio | 55.97% (p31 of band) | |
| Noncurrent loans | 0.86% (p72 of band) | 0.53% |
| Net charge-offs (annualized) | 1.23% (p98 of band) | |
| Reserve coverage of noncurrent | 155.94% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 135.47% (p98 of band) | |
| Auto loans | $7,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 309 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | expense ratio p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | expense ratio p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | uninsured deposits >50% |  |
| 2012-03 | 3 | capital falling | reserve under noncurrent |
| 2012-06 | 3 |  |  |
| 2012-09 | 1 |  | uninsured deposits >50%, capital falling |
| 2012-12 | 2 | uninsured deposits >50% |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 1 |  | uninsured deposits >50%, capital falling |
| 2013-12 | 2 | uninsured deposits >50% |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | brokered >10%, wholesale funding >15% | uninsured deposits >50% |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 |  | capital falling |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | uninsured deposits >50% |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 | capital falling | uninsured deposits >50% |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 4 | uninsured deposits >50% |  |
| 2018-03 | 5 | capital falling |  |
| 2018-06 | 3 |  | uninsured deposits >50%, capital falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | uninsured deposits leaving |  |
| 2019-06 | 6 | charge-offs p90, deposits shrinking |  |
| 2019-09 | 7 | assets shrinking |  |
| 2019-12 | 6 |  | uninsured deposits leaving |
| 2020-03 | 6 |  |  |
| 2020-06 | 4 |  | wholesale funding >15%, deposits shrinking |

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

- 2020-01-22 [Franklin Synergy Bank to Merge into FirstBank in $611m Deal - Banking Exchange](https://news.google.com/rss/articles/CBMirwFBVV95cUxPNmRsc0lrRWJsQzM1aS1fUkctREs1c2UtNlljZ0NOSmxVQ3dramtDTjl0Tl9JV1FiZ3l3LVM3bXl4TFluZUFHR3pBUXdHc2M3UElyVXc4NHlEX1FjSEdlUEpld1V4QzRYb0oxYWlfSGZxbFFaSzFtRXZYZ3BycVo3bjNIZUJWdk02dUpPaWdPX29UZXlFR1Z5c0dvai1JMHpfanVFYkNQM2lqN3VoTmxr?oc=5) · Banking Exchange
- 2020-10-26 [FirstBank retains local team, community focus in merger with Franklin Synergy - Williamson Herald](https://news.google.com/rss/articles/CBMi_AFBVV95cUxQai1mSjIyS3B0YWpGeTl3LVJpUjBBeFZuSHJGR3lYeHlaVkJKN1BSVzRlTU9ySHhOTm9GbTRfb2Nhc3J1X1gwOWJFajJ3QnR6VUg0cFAwTUtyMzlYVzZ4cVVJS1paRnJVbHlZaE10Z0xZMC1jTHBGNW94ZjVCNGgxWFRMekJDRDdsTHM0Y3pRdmJ6S0ViZGFzVmh2d2FuMUZZY2p1aldBbUVhZ0NYd3RYdm55aWlpX0ZrSWFieDQtQ21nb2ZMYjk3c1F5aU1VV0tZclg4dmtrYjNtRW01YUd2NG9OR2ljUWk0ZTV1d0xzMEx3NVFfYXJqQnFkWGQ?oc=5) · Williamson Herald
- 2015-04-27 [Franklin Synergy Bank Appoints Veteran Healthcare Banking Team; Expands Business Lending Offering - PR Newswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNLXZDUnBWMUtNdmM3TGMwRGUwYms0aGZDU1J6VUtEYjhwck4tYVBEMFpmdjJhdm5VU2RnZ1RZc1N6dnhmWnYzWmJzZ0NLWC1GMzVMX19iS0xRZzFMRHloQTQtcFJHYVBXRm5ycHI2NnBfVHVrMlpUdnFRckN3Z0VFUEVhaUFGWmg2cVplTkFXVjZsMHFES0ZYSTh6Rml4c2lzNzBGa2pHRTZpNUhzNGJIUDlZUU9lNjhsWFRvLWlDdnBSTmNESENnN0d1aTVQa3NreGlERXdaTDFnemNUQXYwaDY2cm9QWVU?oc=5) · PR Newswire
- 2020-01-21 [Former Franklin Synergy CEO re-emerges, raises capital for new venture - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOTzBFTkg4T0E0VnZpUDBvaTZHNlo2bk1RQTdhQU5nRzNDNm1qaHo4aHBRSGh2bDR1c1h1cDdIMFoxNWU4Nlg3dDJXTVJHT2hkS1VNaFFTczk5eWh2S3pyd0VPLWJ6R2QwMTU4VGtERkkwMlFObkhacFJabk9sQVZrWHQ4MG0zUDMyZTlFQ2hpMVRyU2c1UmNNSDhodjdTXzZNWEhVMUwtVQ?oc=5) · The Business Journals
- 2014-07-07 [MidSouth Bank joins Synergy - The Daily News Journal](https://news.google.com/rss/articles/CBMirgFBVV95cUxOUi03MmFiNnotSmNwRk1SQWl2RXB4WUlTa1pQc0prSzlJcTlqd3V5STBFYXN2WTBoS0o1cEJPYTM5UkxLYUpoMEVKZDhROEUxZ2FtalRId292cHkzMnYtaUg3NlBscmpFMnl2OThsUDB0S0R5cldUekNRSVdISW5QeG9aalN1eGdqcmpMQUpMakI0NmNCSlg5bVFsS3lPUHJrUHdvR1NlRVBZbjJzQVE?oc=5) · The Daily News Journal
- 2020-08-17 [FirstBank continues to grow with bank purchases in Tennessee - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMinwFBVV95cUxQT05mSWsxTG9UMllMdUI0RUR4QlV0MmJMcVNWQmFyMWtvTENIaENvNXpfVk9Ed3djNVBRNEp0bEhFQXZNZDVHNmFfSURLNTBRMWxGR0lVZURBU1loNjQwSXYwakJxR0V2WE9wMzV6d3YzbzRQNXI3cG5ja1Jyd3VtbUtQbnFWTENBcDBQU1FDNXlTeEpnT2pPVHZqbXdDZGs?oc=5) · Chattanooga Times Free Press
- 2013-03-16 [Bank branches out to Spring Hill - columbiadailyherald.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQaUU1X3dQT2ppa3FwNHc1bkFpMXR4aGlYUHFycXUwMFZVaWVOSzY1Sk44R0ZzWkw3c3dMRk5pSG1WTDlRZTdocWV5TUdMT2ZYdGhIbE5tMFZ5aXpLN3pXSENEVjhIZU9wQkc3N0FIUkRmUmJqanFUN1JzMTBsd05TS1doNF9oUmlxOUlVa192M3luSnVoRGNGdDJWeE1EYldnN2pmZA?oc=5) · columbiadailyherald.com
- 2017-01-18 [Franklin Synergy Bank reaches $3 billion mark - The Tennessean](https://news.google.com/rss/articles/CBMivAFBVV95cUxOR2xYTl9JV2ZPQ09taHBEbVJ6aDBVbTFKem5NbVZDMjVmV0V5TkJjQzZRdjcwVS1HLU5fcmNhbV8xRDhxSkhKelkydE5KUjJFRG40TXlIYkU5c2pVWE55RXNmUTBFWDR2VWtmVlNvRnY4dFBCdkdLSTB4Yk52VTVIMDgwSE43UXptX3NTQjdsN2JPRGdiUTZqRXFSdGhKN3VJRnJRY3VKc2owb0l2T2ZQUU1VTGhiekpKNWxPRQ?oc=5) · The Tennessean

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58714 (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/26.json (key "58714", 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