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Bank of Frankewing

Frankewing, TN · Cert 1484 · Frankewing Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

2

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

14

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Frankewing

Frankewing, TN · Cert 1484 · Frankewing Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$413.1MAssets
$280.6MLoans
$364.6MDeposits
$47.3MEquity
Loan mix
89%RE $255.5M7%C&I $19.5M4%Consumer $10.6MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $273.9M25%Noninterest $90.7MQ2 2025Q2 2026

NIM

6.15%Q2 ’246.06%Q2 ’255.47%Q2 ’26+0%0%

Non-interest income vs. expense

3.21%Q2 ’243.83%Q2 ’253.65%Q2 ’26+37%-9%

Market Position · Huntsville, AL · 2026 SOD (annual) · 0.3% share · #29 of 37 inst. · $0.0B of $12.4B

24.3% Giles
7.8% Lawrence
0.3% Madison

Executive Summary

  • Earnings: ROA of 0.33%, up 9 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 6.25% of loans (-29 bps YoY), with net charge-offs at 0.98%.
  • Capital: tier 1 leverage ratio of 11.25%, up 123 bps from a year ago.
  • Funding: loans stand at 76.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.33%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.67%-2 bps YoY

Efficiency Ratio (YTD, annualized)

85.23%-647 bps YoY

Tier 1 Leverage Ratio

11.25%+123 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.24%0.26%0.11%0.50%0.33%+9 bps
Return on Equity2.48%2.68%1.07%4.54%2.94%+46 bps
Net Interest Margin3.69%3.64%3.73%3.47%3.67%-2 bps
Efficiency Ratio91.69%88.73%87.21%85.39%85.23%-647 bps
Non-Interest Burden3.34%3.17%3.18%2.89%3.03%-31 bps
Growth
Asset Growth (YoY)-10.76%-12.06%-12.14%-13.73%-15.67%-491 bps
Loan Growth (YoY)-18.43%-21.50%-23.79%-23.41%-17.58%+85 bps
Deposit Growth (YoY)-11.49%-12.88%-13.37%-14.80%-17.09%-560 bps
Asset Quality
Nonperforming Loans / Loans6.54%6.86%5.39%5.21%6.25%-29 bps
Net Charge-Offs / Loans0.61%0.51%1.51%1.86%0.98%+37 bps
Allowance / Loans1.97%2.14%1.77%1.45%1.73%-24 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.3x0.3x0.0x
Capital
Tier 1 Leverage Ratio10.02%10.26%10.46%11.11%11.25%+123 bps
Total Risk-Based Capital10.02%10.26%10.46%11.11%11.25%+123 bps
Equity / Assets9.82%10.11%10.82%11.21%11.45%+163 bps
Liquidity & Funding
Loans / Deposits77.43%74.59%75.63%76.23%76.97%-46 bps
Liquid Assets / Assets17.10%20.28%19.31%17.78%17.58%+49 bps
CRE / Total Capitaln/a258%253%253%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Frankewing

Frankewing, TN · Cert 1484 · Peer group: banks under $1B in assets operating regionally (n=94) · Frankewing Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$413.1MAssets
$280.6MLoans
$364.6MDeposits
$47.3MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 76% of banks under $1B in assets operating regionally (rank 23 of 94).
  • Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets operating regionally (rank 94 of 94).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.34%

Rank 84 of 94

Net Interest Margin

3.67%

Rank 53 of 94

Efficiency Ratio

85.23%

Rank 82 of 94

Equity / Assets

11.45%

Rank 23 of 94

Non-interest income vs. expense

$2.6M$15.5MINCOMEEXPENSE
Unfavorable gap of $12.9M · efficiency ratio beats 14% of banks under $1B in assets operating regionally
Bank 85.23%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.34%0.82%1.19%1.46%Beats 11%84 / 94
Return on Equity2.99%7.85%11.84%14.03%Beats 9%86 / 94
Net Interest Margin3.67%3.42%3.81%4.18%Beats 44%53 / 94
Efficiency Ratio85.23%55.99%62.41%73.02%Beats 14%82 / 94
Asset Quality
Nonperforming Loans / Loans6.25%0.19%0.47%1.14%Beats 1%94 / 94
Net Charge-Offs / Loans0.52%0.00%0.02%0.05%Beats 3%92 / 94
Capital
Tier 1 Capital Ratio11.25%10.28%11.95%15.07%Beats 38%58 / 94
Total Risk-Based Capital Ratio11.25%10.31%12.59%15.88%Beats 36%60 / 94
Equity / Assets11.45%8.98%10.21%11.41%Beats 76%23 / 94
Liquidity & Funding
Loans / Deposits76.97%72.62%84.44%94.55%34th pctl62 / 94
Loans / Assets67.93%62.50%72.84%78.99%36th pctl60 / 94
Brokered Deposits / Depositsn/aNot reported for this institution