Case Study: Franklin Synergy Bank achieves 40%+ loan growth and faster, more efficient commercial lending with nCino

Franklin Synergy Bank - Customer Case Study

Franklin Synergy Bank, a community-focused bank founded in 2007 in Franklin, TN (now a $1.2B institution), blended traditional banking values with technology to accelerate growth. As commercial lending volumes climbed, the bank struggled with paper-based loan files, no centralized reporting or lifecycle tracking, duplicative data entry, limited transparency, and bottlenecks that threatened scalability and margins.

To address this, Franklin Synergy partnered with nCino in late 2013 to deploy the nCino Bank Operating System—an end-to-end loan origination platform with automated workflow, electronic document management, centralized reporting, and integrations—implemented initially in 90 days and fully adopted in May 2014. The result was faster loan turnarounds, greater transparency and credit consistency, elimination of paper processes, and measurable financial gains (assets grew from $659M to $1.2B, efficiency ratio improved from 70.49% to 62.92%, ROE rose from 8.49% to 10.64%, and loan growth exceeded 40% in 2014).

Franklin Synergy Bank

David McDaniel

Chief Retail Officer