Frankewing, TN · Cert 1484 · Frankewing Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Huntsville, AL · 2026 SOD (annual) · 0.3% share · #29 of 37 inst. · $0.0B of $12.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.05% | 0.29% | 0.24% | 0.26% | 0.11% | 0.50% | 0.33% | +9 bps | |
| Return on Equity | 5.17% | 0.55% | 3.04% | 2.48% | 2.68% | 1.07% | 4.54% | 2.94% | +46 bps | |
| Net Interest Margin | 3.59% | 3.67% | 3.72% | 3.69% | 3.64% | 3.73% | 3.47% | 3.67% | -2 bps | |
| Efficiency Ratio | 75.30% | 81.77% | 89.73% | 91.69% | 88.73% | 87.21% | 85.39% | 85.23% | -647 bps | |
| Non-Interest Burden | 2.53% | 2.87% | 3.26% | 3.34% | 3.17% | 3.18% | 2.89% | 3.03% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.46% | -2.99% | -5.73% | -10.76% | -12.06% | -12.14% | -13.73% | -15.67% | -491 bps | |
| Loan Growth (YoY) | -1.54% | -5.34% | -5.98% | -18.43% | -21.50% | -23.79% | -23.41% | -17.58% | +85 bps | |
| Deposit Growth (YoY) | 0.12% | -2.98% | -6.39% | -11.49% | -12.88% | -13.37% | -14.80% | -17.09% | -560 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.60% | 6.08% | 5.94% | 6.54% | 6.86% | 5.39% | 5.21% | 6.25% | -29 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.41% | 1.08% | 0.61% | 0.51% | 1.51% | 1.86% | 0.98% | +37 bps | |
| Allowance / Loans | 1.58% | 1.93% | 1.75% | 1.97% | 2.14% | 1.77% | 1.45% | 1.73% | -24 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.57% | 9.40% | 10.11% | 10.02% | 10.26% | 10.46% | 11.11% | 11.25% | +123 bps | |
| Total Risk-Based Capital | 9.57% | 9.40% | 10.11% | 10.02% | 10.26% | 10.46% | 11.11% | 11.25% | +123 bps | |
| Equity / Assets | 9.32% | 9.58% | 9.82% | 9.82% | 10.11% | 10.82% | 11.21% | 11.45% | +163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.77% | 85.97% | 84.80% | 77.43% | 74.59% | 75.63% | 76.23% | 76.97% | -46 bps | |
| Liquid Assets / Assets | 13.50% | 8.92% | 11.05% | 17.10% | 20.28% | 19.31% | 17.78% | 17.58% | +49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 258% | 253% | 253% | n/a | n/a | |