Bank of Franklin
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Data as of · sourced from FFIEC call reports. How we update
Bank of Franklin is an FDIC-insured commercial bank headquartered in Meadville, MS, established in 1912 (FDIC certificate 10594), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $302.3M, up 21.2% from Q2 2025, the 40th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.88% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10594
- Headquarters
- Meadville, MS
- Established
- 1912
- Total assets, Q2 2026
- $302.3M
- Assets vs Q2 2025
- +21.2%
- Tier 1 leverage ratio, Q2 2026
- 9.88%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 065304327
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Franklin call report
- Holding company
- FRANKLIN BANCSHARES, INC.
- Asset rank in state
- 40th of 57 in Mississippi
Bank of Franklin is growing quickly. Based in Meadville, Mississippi, it had $302 million in assets at June 30, 2026, up 21.2% from a year earlier. It grew its loan book 17.7% over the year, about triple the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.44 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.27% of loans from 1.03%. Its $43 million non-owner-occupied commercial real estate book is now fully current, after 10.55% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, Bank of Franklin reported a return on assets of 1.11%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 3.69%. The figures come from its call report filed with the FFIEC.
Of the 57 banks headquartered in Mississippi, Bank of Franklin is the 40th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $302.3M, loans rose 2.7% and deposits fell 0.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.6%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in MS; its Meadville 2 offices book 43% of its branch deposits. Judged on its Q2 2026 call report, Bank of Franklin meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 9 Main St E, Meadville, MS 39653
- County
- Franklin
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 12, 1912
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 61
- Domestic deposits
- $267.8M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $234K
- Average total assets
- $302.2M
- Average total loans
- $204.7M
- Average interest-bearing deposits
- $208.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10594
- Fed RSSD
- 68831
- Website
- www.bankoffranklin.com →
- Parent Holding Company
- FRANKLIN BANCSHARES, INC. (RSSD 3674215)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Franklin reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Franklin's total assets moved between a low of $222.2M (Q4 2023) and a high of $303.3M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$302.3M total assets against $249.5M; $269.6M total liabilities against $220.6M.
$207.9M net loans and leases against $176.3M; $267.8M total deposits against $219.2M.
$46.7M securities against $50.1M; $26.9M cash and balances due against $7.9M.
$4.5M total interest income against $3.8M; $1.4M total interest expense against $1.2M.
$3.1M net interest income against $2.7M.
$566K total noninterest income against $486K; $2.4M total noninterest expense against $2.0M.
$136K provision for credit losses against -$21K.
$840K net income against $904K.
1.11% return on assets against 1.45%; 4.44% net interest margin against 4.62%.
9.88% tier 1 leverage ratio against 12.18%.
Inside the full Bank of Franklin terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Its closest position to the top of a national ranking is 1,659 of 3,640, for Texas Ratio; its furthest is 2,447 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.83% (Q1 2026) to 1.62% (Q4 2024) and its net interest margin ran from 4.44% (Q2 2026) to 4.85% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.88% | 1.11% | 0.27% | 3.69% | 4.44% |
| Q1 2026 | 10.89% | 0.83% | 0.60% | 4.63% | 4.61% |
| Q4 2025 | 12.43% | 1.20% | 1.18% | 8.39% | 4.45% |
| Q3 2025 | 12.35% | 1.39% | 1.12% | 8.12% | 4.85% |
| Q2 2025 | 12.18% | 1.45% | 1.03% | 9.03% | 4.62% |
| Q1 2025 | 12.08% | 1.22% | 1.09% | 7.98% | 4.61% |
| Q4 2024 | 11.78% | 1.62% | 1.24% | 8.35% | 4.61% |
| Q3 2024 | 11.44% | 1.33% | 1.11% | 7.41% | 4.47% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Franklin (main office) | Meadville , MS | 39653 | $103.4M |
| Brookhaven Branch | Brookhaven , MS | 39601 | $74.5M |
| Mccomb Branch | Mccomb , MS | 39648 | $71.1M |
| Walnut Street Drive-Up Branch | Meadville , MS | 39653 | $11.5M |
| Natchez Branch | Natchez , MS | 39120 | $7.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MS, rank 48 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $148K approved, $148K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Franklin
What are Bank of Franklin's total assets?
As of the Q2 2026 filing, Bank of Franklin reported total assets of $302.3 million in its FFIEC call report.
Where is Bank of Franklin headquartered?
It is headquartered in Meadville, MS, United States.
When was Bank of Franklin founded?
It was established in 1912, per the FDIC institution directory.
Is Bank of Franklin FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10594). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Franklin?
Bank of Franklin's primary federal regulator is the FDIC.
How many branches does Bank of Franklin operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Franklin's Texas Ratio?
Its Texas Ratio is 3.69% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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