BANK OF FRANKLIN COUNTY

WASHINGTON, MO | Small | Est. Aug. 28, 2000, midnight | FDIC #35543 | RSSD #2913702 | FDIC
Latest Report: 2025-12-31

BANK OF FRANKLIN COUNTY is asn small FDIC-insured commercial bank headquartered in WASHINGTON, MO, established in Aug. 28, 2000, midnight. As of 2025-12-31, the bank reported total assets of $409M and total deposits of $342M. Profitability stands at 0.76% ROA and 8.70% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 10.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 2.64%. FDIC Certificate #35543.

Assets

$409M

Deposits

$342M

Loans

$336M

Equity

$37M

Profitability

Return on Assets (ROA) 0.76%
Return on Equity (ROE) 8.70%
Net Interest Margin (NIM) 3.81%
Yield on Assets 6.09%
Cost of Funds 2.32%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio -0.01%
Texas Ratio 2.64%
NPA Ratio 0.26%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 10.46%
Tier 1 Capital 10.46%
Total Capital Ratio 11.58%
Leverage Ratio 9.41%
Loan-to-Deposit 98.21%

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