| Metric | Bank of Franklin | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.2% | +4.4% | +16.8 pts |
| Deposit growth (YoY) | +22.2% | +4.0% | +18.2 pts |
| Loan growth (YoY) | +17.9% | +5.6% | +12.3 pts |
| ROA | 0.96% | 1.24% | -0.3 pts |
| ROE | 8.7% | 11.9% | -3.2 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $302.3M | $267.8M | $207.9M | $32.7M | $1.4M | 0.96% | 4.48% | 0.83% |
| Q1 2026 | $303.3M | $269.7M | $202.4M | $31.8M | $551K | 0.78% | 4.41% | 0.91% |
| Q4 2025 | $261.0M | $212.7M | $188.5M | $31.3M | $3.3M | 1.33% | 4.74% | 1.61% |
| Q3 2025 | $252.1M | $211.1M | $181.7M | $30.5M | $2.5M | 1.38% | 4.82% | 1.59% |
| Q2 2025 | $249.5M | $219.2M | $176.3M | $28.9M | $1.6M | 1.36% | 4.75% | 1.68% |
| Q1 2025 | $243.8M | $214.3M | $168.1M | $28.1M | $744K | 1.24% | 4.75% | 1.56% |
| Q4 2024 | $235.4M | $206.3M | $165.6M | $26.2M | $3.4M | 1.47% | 4.61% | 1.60% |
| Q3 2024 | $233.5M | $206.3M | $159.5M | $26.1M | $2.4M | 1.41% | 4.56% | 1.47% |
Loan mix (Q2 2026): real estate $177.7M · commercial $18.8M · consumer $10.2M · securities $46.7M
| Ratio | Bank of Franklin | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.24% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 11.9% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 62.9% | 73rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Franklin | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Franklin | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Franklin | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Franklin | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Franklin | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Mar 20, 2026 | Acquirer | — | Merger | Completed | FDIC |
5 branches in 4 counties across 1 state (+0 vs 2025) · $267.8M branch deposits. Biggest market: Franklin, MS, ranked 1st with 67.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, MS | 2 | $114.9M | 67.03% | 1st |
| Lincoln, MS | 1 | $74.5M | 7.19% | 4th |
| Pike, MS | 1 | $71.1M | 6.72% | 5th |
| 1 more county with Pro → | ||||
Mississippi: 54th with 0.29% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 5 · 2026 5
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).