FRANKLIN BANK

PILESGROVE, NJ | Small | Est. Jan. 1, 1861, midnight | FDIC #30402 | RSSD #574079 | FDIC
Latest Report: 2025-12-31

FRANKLIN BANK is asn small FDIC-insured commercial bank headquartered in PILESGROVE, NJ, established in Jan. 1, 1861, midnight. As of 2025-12-31, the bank reported total assets of $334M and total deposits of $302M. Profitability stands at 0.53% ROA and 6.02% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 17.22%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 1.30%. FDIC Certificate #30402.

Assets

$334M

Deposits

$302M

Loans

$212M

Equity

$30M

Profitability

Return on Assets (ROA) 0.53%
Return on Equity (ROE) 6.02%
Net Interest Margin (NIM) 3.87%
Yield on Assets 4.86%
Cost of Funds 1.00%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.30%
NPA Ratio 0.12%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 17.22%
Tier 1 Capital 17.22%
Total Capital Ratio 18.19%
Leverage Ratio 10.01%
Loan-to-Deposit 69.97%

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