BANK OF FRANKLIN

MEADVILLE, MS | Small | Est. Jan. 12, 1912, midnight | FDIC #10594 | RSSD #68831 | FDIC
Latest Report: 2025-12-31

BANK OF FRANKLIN is asn small FDIC-insured commercial bank headquartered in MEADVILLE, MS, established in Jan. 12, 1912, midnight. As of 2025-12-31, the bank reported total assets of $261M and total deposits of $213M. Profitability stands at 1.21% ROA and 10.03% ROE, with a net interest margin of 4.59%. The bank's CET1 capital ratio is 12.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.17% and a Texas Ratio of 8.28%. FDIC Certificate #10594.

Assets

$261M

Deposits

$213M

Loans

$191M

Equity

$31M

Profitability

Return on Assets (ROA) 1.21%
Return on Equity (ROE) 10.03%
Net Interest Margin (NIM) 4.59%
Yield on Assets 6.70%
Cost of Funds 2.22%

Asset Quality

NPL Ratio 1.17%
Net Charge-Off Ratio 0.13%
Texas Ratio 8.28%
NPA Ratio 1.08%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 12.01%
Tier 1 Capital 12.01%
Total Capital Ratio 12.61%
Leverage Ratio 12.43%
Loan-to-Deposit 89.83%

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