BlastPoint's Banking Scorecard
Bank of Frankewing
Micro
Specialty: Commercial
TN
FDIC cert 1484
Designations: ✓ Community bank
Frankewing, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Bank of Frankewing faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.98% below tier
- - Delinquency Rate 4.85% above tier
- - Nonperforming Asset Ratio 4.01% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$446.4M
-12.1% YoY
-7.5% QoQ
|
+$228.9M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$294.5M
-23.7% YoY
-6.5% QoQ
|
+$155.3M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$396.4M
-13.4% YoY
-8.2% QoQ
|
+$212.7M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
0.11%
+105.0% YoY
-59.4% QoQ
|
-0.98% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
3.88%
-3.1% YoY
+0.2% QoQ
|
+0.02% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
87.21%
+6.7% YoY
-1.7% QoQ
|
+19.49% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
5.49%
-11.4% YoY
-21.6% QoQ
|
+4.85% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
74.29%
-11.9% YoY
+1.8% QoQ
|
-0.24% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
22.42%
+21.6% YoY
+11.8% QoQ
|
+0.03% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
4.46%
-22.0% YoY
-16.6% QoQ
|
+4.01% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.51%
-33.2% YoY
+36.1% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.49%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.46%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Total Deposits
Current: $396.4M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $446.4M · Tier avg: $217.5M
91
91th pctile
Total Loans
Current: $294.5M · Tier avg: $139.2M
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
54
54th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.85%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.42% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Loan-to-Deposit Ratio
Current: 74.29% · Tier avg: 74.53%
11
11th pctile
Efficiency Ratio
Current: 87.21% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.11% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 5.49% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.46% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.46% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.49% · Tier avg: 0.64%
8
8th pctile
Return on Assets
Current: 0.11% · Tier avg: 1.08%
11
11th pctile
Efficiency Ratio
Current: 87.21% · Tier avg: 67.73%
46
46th pctile
Loan-to-Deposit Ratio
Current: 74.29% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.42% · Tier avg: 22.39%
54
54th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.85%
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
91
91th pctile
Total Loans
Current: $294.5M · Tier avg: $139.2M
94
94th pctile
Total Assets
Current: $446.4M · Tier avg: $217.5M
96
96th pctile
Total Deposits
Current: $396.4M · Tier avg: $183.7M