FRANKLIN STATE BANK & TRUST COMPANY

WINNSBORO, LA | Small | Est. Jan. 1, 1908, midnight | FDIC #11792 | RSSD #1006652 | FDIC
Latest Report: 2025-12-31

FRANKLIN STATE BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in WINNSBORO, LA, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $235M and total deposits of $212M. Profitability stands at 0.90% ROA and 9.06% ROE, with a net interest margin of 4.48%. The bank's CET1 capital ratio is 22.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.70%. FDIC Certificate #11792.

Assets

$235M

Deposits

$212M

Loans

$109M

Equity

$21M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 9.06%
Net Interest Margin (NIM) 4.48%
Yield on Assets 6.23%
Cost of Funds 1.81%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.70%
NPA Ratio 0.07%
ACL / Loans 1.67%

Capital & Liquidity

CET1 Ratio 22.02%
Tier 1 Capital 22.02%
Total Capital Ratio 23.28%
Leverage Ratio 9.16%
Loan-to-Deposit 51.29%

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