BanksFRANKLIN BANK

FRANKLIN BANK

PILESGROVE, NJSmallEst. Jan. 1, 1861, midnightFDIC #30402RSSD #574079FDIC
Latest · 2025-12-31

FRANKLIN BANK is an 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%. CET1 capital ratio: 17.22%, well above regulatory minimums. NPL ratio: 0.19% · Texas Ratio: 1.30%. Operates 7 domestic branches.

Assets
$334M
Deposits
$302M
Loans
$212M
Equity
$30M

Profitability

Return on Assets (ROA)0.53%
Return on Equity (ROE)6.02%
Net Interest Margin3.87%
Yield on Assets4.86%
Cost of Funds1.00%

Asset Quality

NPL Ratio0.19%
Net Charge-Off Ratio0.01%
Texas Ratio1.30%
NPA Ratio0.12%
ACL / Loans0.87%

Capital & Liquidity

CET1 Ratio17.22%
Tier 1 Capital17.22%
Total Capital Ratio18.19%
Leverage Ratio10.01%
Loan-to-Deposit69.97%

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