Franklin Savings Bank
Total assets
$786.9M
▲ +4.2% YoY
Deposits
$601.1M
▲ +2.3% YoY
Loans
$670.5M
▲ +5.0% YoY
Offices
9
FSB BCORP MHC
ROA (annualized)
0.99%
peers 1.28%
ROE (annualized)
5.50%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Franklin Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.9% | -0.7 pts |
| Deposit growth (YoY) | +2.3% | +4.3% | -2.0 pts |
| Loan growth (YoY) | +5.0% | +5.3% | -0.3 pts |
| ROA | 0.99% | 1.28% | -0.3 pts |
| ROE | 5.5% | 12.4% | -6.9 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
Profile
- Established
- 1868
- Charter
- State
- Primary regulator
- FED
- Holding company
- FSB BCORP MHC
- Specialization
- Commercial Lending Specialization
- Address
- 197 Main St, Farmington, ME, 04938
- County
- Franklin
- Offices
- 9
- FDIC cert #
- 19836
- RSSD ID
- 228000
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $786.9M | $601.1M | $670.5M | $141.2M | $3.8M | 0.99% | 4.42% | 1.17% |
| Q1 2026 | $764.6M | $606.7M | $661.7M | $139.3M | $1.8M | 0.95% | 4.40% | 1.15% |
| Q4 2025 | $775.8M | $610.5M | $658.5M | $137.5M | $5.4M | 0.72% | 4.09% | 1.35% |
| Q3 2025 | $770.4M | $596.3M | $654.0M | $132.8M | $4.8M | 0.85% | 4.03% | 1.15% |
| Q2 2025 | $755.2M | $587.5M | $638.6M | $130.5M | $3.1M | 0.84% | 3.96% | 1.12% |
| Q1 2025 | $733.6M | $586.8M | $622.9M | $128.6M | $1.4M | 0.76% | 3.89% | 0.90% |
| Q4 2024 | $726.0M | $546.1M | $616.8M | $126.4M | $4.4M | 0.64% | 3.67% | 0.78% |
| Q3 2024 | $712.5M | $529.3M | $604.4M | $125.6M | $3.8M | 0.73% | 3.61% | 0.86% |
Loan mix (Q2 2026): real estate $619.1M · commercial $46.6M · consumer $9.3M · securities $41.7M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Franklin Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.28% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 12.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.89% | 80th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.0% | 61.2% | 71th | |
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% |
Balance sheet
| Ratio | Franklin Savings 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% |
Capital
| Ratio | Franklin Savings 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% |
Credit quality
| Ratio | Franklin Savings 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% |
Franchise
| Ratio | Franklin Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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