Bank of Frankewing: how it compares with its peers
Against 49 TN banks with half to twice its assets, Bank of Frankewing's strongest measure in Q2 2026 is net interest margin (3.94% vs. a 4.01% peer median). Its weakest relative measure is return on assets (0.33% vs. 1.09%).
| Measure | Bank of Frankewing | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.33% | 1.09% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.94% | 4.01% | Middle third Ahead of 41% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 85.23% | 66.67% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.4M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.65% | 83.29% | Context |
What it means for lending operations
Its efficiency ratio of 85.23% is above the 66.67% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Vision Bank of Tennessee Tullahoma, TN · $414M
- Heritage Bank & Trust Columbia, TN · $418M
- Coffee County Bank Manchester, TN · $428M
- Volunteer Federal Savings Bank Madisonville, TN · $397M
- Security Federal Savings Bank of McMinnville Mcminnville, TN · $386M
- RockPointBank, National Association Chattanooga, TN · $384M
Questions about Bank of Frankewing
How big is Bank of Frankewing?
Bank of Frankewing, established in 1920, is headquartered in Frankewing, TN. It reported $413M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Bank of Frankewing's return on assets?
0.33% annualized in Q2 2026, against a 1.09% median for 49 TN banks with half to twice its assets, ahead of 4% of them.
What is Bank of Frankewing's efficiency ratio?
85.23% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 66.67%, and lower is better.
Is Bank of Frankewing growing its loans?
Net loans shrank 17.4% over the year to Q2 2026, while deposits shrank 17.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.