FRANKLIN SAVINGS BANK

FARMINGTON, ME | Medium | Est. Nov. 16, 1868, midnight | FDIC #19836 | RSSD #228000 | FED
Latest Report: 2025-12-31

FRANKLIN SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in FARMINGTON, ME, established in Nov. 16, 1868, midnight. As of 2025-12-31, the bank reported total assets of $776M and total deposits of $610M. Profitability stands at 0.34% ROA and 1.92% ROE, with a net interest margin of 4.28%. The bank's CET1 capital ratio is 21.94%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.53% and a Texas Ratio of 7.11%. FDIC Certificate #19836.

Assets

$776M

Deposits

$610M

Loans

$663M

Equity

$137M

Profitability

Return on Assets (ROA) 0.34%
Return on Equity (ROE) 1.92%
Net Interest Margin (NIM) 4.28%
Yield on Assets 6.07%
Cost of Funds 2.02%

Asset Quality

NPL Ratio 1.53%
Net Charge-Off Ratio 0.11%
Texas Ratio 7.11%
NPA Ratio 1.31%
ACL / Loans 0.76%

Capital & Liquidity

CET1 Ratio 21.94%
Tier 1 Capital 21.94%
Total Capital Ratio 22.76%
Leverage Ratio 18.63%
Loan-to-Deposit 108.68%

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