| Metric | Franklin Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.9% | -2.0 pts |
| Deposit growth (YoY) | +3.9% | +4.3% | -0.5 pts |
| Loan growth (YoY) | +5.3% | +5.3% | -0.0 pts |
| ROA | 1.09% | 1.28% | -0.2 pts |
| ROE | 12.6% | 12.4% | +0.1 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $931.4M | $776.1M | $725.5M | $82.3M | $5.0M | 1.09% | 3.35% | 0.39% |
| Q1 2026 | $908.2M | $771.5M | $723.8M | $79.9M | $2.6M | 1.15% | 3.32% | 0.09% |
| Q4 2025 | $917.3M | $794.5M | $732.5M | $77.8M | $6.8M | 0.77% | 2.99% | 0.03% |
| Q3 2025 | $902.4M | $762.2M | $707.1M | $75.3M | $4.8M | 0.74% | 2.91% | 0.03% |
| Q2 2025 | $905.3M | $747.3M | $688.9M | $70.7M | $2.8M | 0.65% | 2.80% | 0.02% |
| Q1 2025 | $856.7M | $714.2M | $650.6M | $68.9M | $1.2M | 0.57% | 2.69% | 0.02% |
| Q4 2024 | $822.0M | $701.1M | $612.6M | $65.8M | $3.9M | 0.49% | 2.52% | 0.01% |
| Q3 2024 | $820.0M | $688.4M | $594.8M | $67.9M | $3.1M | 0.51% | 2.48% | 0.01% |
Loan mix (Q2 2026): real estate $676.4M · commercial $35.6M · consumer $1.3M · securities $124.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Franklin Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.28% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 12.4% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 61.2% | 52th |
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 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% |
| 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% |
| 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% |
| 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% |
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