BlastPoint's Banking Scorecard

Bank of Frankewing

$100M-$1B Specialty: Commercial TN FDIC cert 1484

Frankewing, TN

4 branches across TN · AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
Deposits -17.1% year over year ($364.6M on the books).
Delinquency rate 6.36%.
Return on assets 0.33%.
Efficiency ratio 85.23% vs a 64.48% peer average.
Loan-to-deposit ratio 75.65% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN

View $100M-$1B leaderboard (TN) →

Bank of Frankewing faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 45.4% in tier
- Return on Assets 0.99% below tier average
- Delinquency Rate 5.44% above tier average
- Nonperforming Asset Ratio 4.21% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$413.1M -15.7% YoY -4.8% QoQ	+$26.5M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	63%
Total Loans ?	$275.8M -17.4% YoY -4.4% QoQ	+$17.4M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	63%
Total Deposits ?	$364.6M -17.1% YoY -5.0% QoQ	+$37.8M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	65%
Return on Assets ?	0.33% +35.8% YoY -34.4% QoQ	-0.99%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	Bottom 7.9% in tier
Net Interest Margin ?	3.94% -0.7% YoY +3.7% QoQ	-0.05%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	50%
Efficiency Ratio ?	85.23% -7.1% YoY -0.2% QoQ	+20.75%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	Bottom 8.7% in tier
Delinquency Rate ?	6.36% -4.6% YoY +20.3% QoQ	+5.44%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	Bottom 1.4% in tier
Loan-to-Deposit Ratio ?	75.65% -0.3% YoY +0.7% QoQ	-2.31%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	58%
Non-Interest-Bearing Deposit Share ?	24.87% +31.2% YoY +7.4% QoQ	+2.84%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	65%
Nonperforming Asset Ratio ?	4.88% -12.1% YoY +6.0% QoQ	+4.21%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	Bottom 1.0% in tier
Tier 1 Capital Ratio ?	11.25% +12.3% YoY +1.3% QoQ	-4.66%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.32% +28.1% YoY +162.9% QoQ	-0.25%	0.57% +7.6% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	75%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Noninterest-Bearing	24.9% +5.9pp YoY +1.7pp QoQ	+2.7pp	22.1%	18.8%	22.2%	65%
Brokered Deposits	1.4% -2.1pp YoY -1.2pp QoQ	-6.5pp	7.9%	9.4%	8.5%	23%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	6.7% -1.9pp YoY -0.1pp QoQ	-4.9pp	11.6%	10.9%	12.5%	31%
CRE	43.0% +1.9pp YoY -0.2pp QoQ	+3.5pp	39.5%	42.4%	41.4%	58%
1-4 Family	36.1% +0.6pp YoY +0.8pp QoQ	+3.5pp	32.6%	39.8%	31.3%	64%
Consumer	3.7% +0.2pp YoY 0.0pp QoQ	-0.4pp	4.1%	4.5%	5.0%	67%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	14.8%	19.7%	n/a
Leverage Ratio	11.3% +1.2pp YoY +0.1pp QoQ	-0.9pp	12.2%	11.4%	12.6%	54%
Total Capital Ratio	n/a	n/a	19.9%	15.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	70 -13 (-15.7%) YoY +2 (+2.9%) QoQ	+11	58	270	482	71%
Assets per Employee ($)	$5.9M 0.0% YoY -7.5% QoQ	-$1.6M	$7.5M	$7.1M	$8.8M	32%
Branch Count	4 0 YoY 0 QoQ	-1	4	17	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	6.4% -0.3pp YoY +1.1pp QoQ	+5.4pp	0.9%	0.7%	1.0%	99%
Allowance Coverage	0.28x -8.3% YoY -0.9% QoQ	-23.88x	24.15x	28.97x	20.23x	3%
Net Charge-off Rate (YTD)	0.9% +0.4pp YoY -0.9pp QoQ	+0.8pp	0.1%	0.1%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	2.9% +0.5pp YoY -1.6pp QoQ	-9.3pp	12.2%	10.9%	11.6%	8%
Cost of Funds (YTD)	1.9% -0.6pp YoY -0.1pp QoQ	+0.2pp	1.7%	2.0%	1.7%	67%
Net Income ($, YTD)	$707,000 +17.1% YoY — QoQ	-$1.8M	$2.6M	$16.7M	$40.4M	16%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk

#165 of 361 • Bottom 45.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 85.23%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

650

Non-Interest Income / Assets

revenue_mix

Value: 0.32%

Peer Median: 0.57%

#650 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (4 metrics)

2618

Nonperforming Asset Ratio

credit_quality

Value: 4.88%

Peer Median: 0.67%

#2618 of 2643 Bottom 1.0% in $100M-$1B

2598

Delinquency Rate

credit_quality

Value: 6.36%

Peer Median: 0.92%

#2598 of 2633 Bottom 1.4% in $100M-$1B

2435

Return on Assets

profitability

Value: 0.33%

Peer Median: 1.32%

#2435 of 2643 Bottom 7.9% in $100M-$1B

2414

Efficiency Ratio

profitability

Value: 85.23%

Peer Median: 64.48%

#2414 of 2643 Bottom 8.7% in $100M-$1B