| Metric | Franklin Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | +1.9% | +4.0% | -2.1 pts |
| Loan growth (YoY) | +2.2% | +5.6% | -3.4 pts |
| ROA | 0.68% | 1.24% | -0.6 pts |
| ROE | 7.5% | 11.9% | -4.4 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $334.1M | $301.3M | $213.0M | $30.8M | $1.1M | 0.68% | 3.79% | 0.09% |
| Q1 2026 | $337.4M | $305.1M | $209.2M | $30.1M | $463K | 0.55% | 3.65% | 0.08% |
| Q4 2025 | $334.4M | $302.5M | $209.8M | $29.7M | $1.5M | 0.45% | 3.59% | 0.12% |
| Q3 2025 | $327.8M | $297.3M | $208.5M | $28.8M | $1.0M | 0.42% | 3.54% | 0.07% |
| Q2 2025 | $325.5M | $295.8M | $208.5M | $27.9M | $644K | 0.40% | 3.49% | 0.07% |
| Q1 2025 | $326.8M | $297.2M | $203.5M | $27.0M | $270K | 0.33% | 3.36% | 0.08% |
| Q4 2024 | $321.4M | $293.9M | $203.9M | $25.8M | $1.9M | 0.59% | 3.55% | 0.08% |
| Q3 2024 | $317.8M | $288.9M | $198.4M | $26.7M | $1.5M | 0.65% | 3.59% | 0.07% |
Loan mix (Q2 2026): real estate $205.8M · commercial $7.5M · consumer $1.4M · securities $50.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Franklin Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 62.9% | 83th |
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 | Franklin Bank | 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 | Franklin Bank | 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 | Franklin Bank | 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 | Franklin Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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