Bank of Franklin: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 221.36 percentage points in Q2 2026, from 227.29% to 448.65%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, Bank of Franklin is 33rd of 57 on return on assets, 1.11% as of Q2 2026, below the middle of the field. Bank of Franklin reported 1.11% on return on assets for Q2 2026, 0.14 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.88% |
| Equity capital to assets | 10.82% |
| Tangible equity to tangible assets | 9.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | 0.32% |
| Texas ratio | 3.69% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 448.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 10.41% |
| Net interest margin | 4.44% |
| Efficiency ratio | 66.04% |
| Yield on earning assets | 6.48% |
| Cost of funds | 2.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.56% |
| Core deposits to total deposits | 91.02% |
| Brokered deposits to total deposits | 1.88% |
| Deposits to assets | 88.58% |
| Securities to assets | 15.45% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.83% | 4.60% | 4.10% | 0.00% | 0.05% |
| Q4 2023 | 10.85% | -0.98% | 4.23% | 0.10% | 0.04% |
| Q1 2024 | 11.13% | 1.53% | 4.43% | 0.09% | -0.49% |
| Q2 2024 | 11.30% | 1.36% | 4.33% | 1.15% | 0.04% |
| Q3 2024 | 11.44% | 1.33% | 4.47% | 1.09% | 0.22% |
| Q4 2024 | 11.78% | 1.62% | 4.61% | 1.05% | 0.04% |
| Q1 2025 | 12.08% | 1.22% | 4.61% | 0.91% | 0.07% |
| Q2 2025 | 12.18% | 1.45% | 4.62% | 0.99% | 0.35% |
| Q3 2025 | 12.35% | 1.39% | 4.85% | 0.95% | 0.06% |
| Q4 2025 | 12.43% | 1.20% | 4.45% | 1.17% | 0.07% |
| Q1 2026 | 10.89% | 0.83% | 4.61% | 0.55% | 0.14% |
| Q2 2026 | 9.88% | 1.11% | 4.44% | 0.26% | 0.32% |
Bank of Franklin vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Franklin, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Franklin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10594) · FFIEC NIC profile (RSSD 68831)