Total Assets
$446M
Total balance-sheet footings
FDIC Cert #1484 · Frankewing, Tennessee · Est. 1920
Bank of Frankewing - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $446M
- Total assets
- D
- Health grade · Weak
- 0.11%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Frankewing earns a PlainBankData health grade of D (39/100), with well-capitalized at 10.46% Tier 1, 0.11% ROA, 87% efficiency ratio.
- #1,933
- largest of 4,313 FDIC banks by assets
- 55th
- percentile by asset size, nationally
- 10.46%
- Tier 1 ratio - above the 10% well-capitalized line
- 7th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Bank of Frankewing's 39/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Frankewing's composite health score
Tier 1 Capital Ratio (10.46%) 28/40
Return on Assets (ROA) (0.11%) 7/25
Texas Ratio (30.15%) 4/20
Efficiency Ratio (87.21%) 0/15
39 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$396M
Customer-funded liabilities
Net Loans
$294M
Outstanding loan book
Net Income
$520K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Frankewing ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Frankewing's score of 39/100 falls in the highlighted band.
Bank of Frankewing's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Frankewing's $446M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.46%
Texas Ratio
30.15%
Equity Capital
$48M
Profitability metrics
Return on Assets (ROA)
7th percentile nationally
0.11%
Return on Equity (ROE)
1.07%
Efficiency Ratio
87.21%
What the numbers say about Bank of Frankewing
Bank of Frankewing is an FDIC-insured institution (Certificate #1484) headquartered in Frankewing, Tennessee, established in 1920. It holds $446M in total assets - 1,933rd of 4,313 FDIC-insured banks, $396M in customer deposits, and $294M in net loans. On safety, its Tier 1 capital ratio of 10.46% is above the 10% well-capitalized threshold, and its Texas Ratio of 30.15% sits in the healthy range below 50%. It earns a PlainBankData health grade of D (39/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Tennessee, Bank of Frankewing ranks 56th of 111 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$28M
Interest Income
$2M
Non-Interest Income
$17M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Frankewing reports a Texas Ratio of 30.15% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
30.15% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Bank of Frankewing
Bank of Frankewing's grade of D reflects specific pressure points in the FDIC Call Report.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Bank of Frankewing up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Frankewing (FDIC Cert #1484) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
Frequently asked questions
What is Bank of Frankewing's health grade?▼
Bank of Frankewing receives a health grade of D (39/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Bank of Frankewing?▼
Bank of Frankewing holds $446M in total assets and $396M in deposits, ranking 1,933rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Frankewing, Tennessee.
Is my money safe at Bank of Frankewing?▼
Yes, deposits at Bank of Frankewing (Certificate #1484) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Frankewing's Tier 1 Capital Ratio?▼
Bank of Frankewing has a Tier 1 Capital Ratio of 10.46%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of Frankewing?▼
Bank of Frankewing has a Texas Ratio of 30.15%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Frankewing?▼
Bank of Frankewing has an Efficiency Ratio of 87.21%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Frankewing's profile as a depositor or analyst.
- Bank of Frankewing's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Frankewing against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.