A Michigan community bank's well-known penchant for inventive advertising may be hurting its bottom line, according to some stock analysts who are calling for cutbacks.

Franklin Bank, a suburban Detroit institution with $509 million of assets, has gained notoriety over the years with playful ads that poke fun at its big bank rivals. For example, after National Australia Bank took over Michigan National Corp., Franklin ran radio spots using actors with heavy Australian accents.

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