FRANKLIN BANK & TRUST COMPANY

FRANKLIN, KY | Medium | Est. Dec. 1, 1958, midnight | FDIC #17937 | RSSD #493844 | FDIC
Latest Report: 2025-12-31

FRANKLIN BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in FRANKLIN, KY, established in Dec. 1, 1958, midnight. As of 2025-12-31, the bank reported total assets of $801M and total deposits of $642M. Profitability stands at 1.52% ROA and 11.82% ROE, with a net interest margin of 4.10%. The bank's CET1 capital ratio is 12.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 2.51%. FDIC Certificate #17937.

Assets

$801M

Deposits

$642M

Loans

$699M

Equity

$103M

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 11.82%
Net Interest Margin (NIM) 4.10%
Yield on Assets 6.34%
Cost of Funds 2.38%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio 0.20%
Texas Ratio 2.51%
NPA Ratio 0.34%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 12.80%
Tier 1 Capital 12.80%
Total Capital Ratio 13.44%
Leverage Ratio 13.40%
Loan-to-Deposit 108.93%

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