Bank of Franklin County
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Data as of · sourced from FFIEC call reports. How we update
Bank of Franklin County is an FDIC-insured commercial bank headquartered in Washington, MO, established in 2000 (FDIC certificate 35543), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $419.4M, little changed from Q2 2025, the 79th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.53% 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
- 35543
- Headquarters
- Washington, MO
- Established
- 2000
- Total assets, Q2 2026
- $419.4M
- Assets vs Q2 2025
- 0.0%
- Tier 1 leverage ratio, Q2 2026
- 9.53%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 081918946
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Franklin County call report
- Holding company
- FRANKLIN BANCORP, INC.
- Asset rank in state
- 79th of 191 in Missouri
Little in Bank of Franklin County's latest call report stands out. Its balance sheet stood at $419 million at June 30, 2026; it is based in Washington, Missouri. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 15% from a year earlier, to $796,000. Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.27% of loans, against 0.03% a year earlier. Profitability lags: it earns about $0.76 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Bank of Franklin County reported a return on assets of 0.76%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 3.59%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Bank of Franklin County is the 79th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.7% to $419.4M, loans rose 0.6% and deposits rose 2.3%. 1-4 family residential loans made up 27.1% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 23.1%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities in MO; its Washington 3 offices book 84% of its branch deposits. On its Q2 2026 call report, Bank of Franklin County meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 900 E 8th St, Washington, MO 63090
- County
- Franklin
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 28, 2000
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 74
- Domestic deposits
- $357.5M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $362K
- Average total assets
- $420.9M
- Average total loans
- $349.1M
- Average interest-bearing deposits
- $285.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 28, 2000
- FDIC Cert
- 35543
- Fed RSSD
- 2913702
- SEC CIK
- 1108707 → filed by FRANKLIN BANCORP, INC.
- Website
- www.bankoffranklincounty.com →
- Parent Holding Company
- FRANKLIN BANCORP, INC. (RSSD 2913711)
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 County reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Franklin County's total assets ranged from $391.0M (Q3 2023) to $424.1M (Q4 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$419.4M total assets against $419.3M; $382.1M total liabilities against $384.9M.
$341.7M net loans and leases against $335.2M; $357.5M total deposits against $348.4M.
$37.7M securities against $39.9M; $12.5M cash and balances due against $15.3M.
$5.9M total interest income against $5.9M; $2.1M total interest expense against $2.4M.
$3.8M net interest income against $3.5M.
$449K total noninterest income against $373K; $3.1M total noninterest expense against $2.9M.
$94K provision for credit losses against $97K.
$796K net income against $693K.
0.76% return on assets against 0.65%; 3.85% net interest margin against 3.51%.
9.53% tier 1 leverage ratio against 8.96%.
Inside the full Bank of Franklin County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Franklin County rankings
Its closest position to the top of a national ranking is 1,684 of 3,640, for Texas Ratio; its furthest is 2,966 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.40% (Q3 2024) to 0.76% (Q3 2025) and its net interest margin ran from 2.97% (Q3 2024) to 3.85% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.53% | 0.76% | 0.27% | 3.59% | 3.85% |
| Q1 2026 | 9.54% | 0.71% | 0.35% | 4.38% | 3.61% |
| Q4 2025 | 9.41% | 0.76% | 0.14% | 2.64% | 3.69% |
| Q3 2025 | 9.26% | 0.76% | 0.28% | 4.28% | 3.63% |
| Q2 2025 | 8.96% | 0.65% | 0.03% | 2.21% | 3.51% |
| Q1 2025 | 8.83% | 0.42% | 0.03% | 2.69% | 3.30% |
| Q4 2024 | 8.71% | 0.68% | 0.10% | 3.14% | 3.11% |
| Q3 2024 | 8.62% | 0.40% | 0.32% | 5.29% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 County (main office) | Washington , MO | 63090 | $221.1M |
| Krakow Branch | Washington , MO | 63090 | $41.8M |
| Rabbit Trail Branch | Washington , MO | 63090 | $36.8M |
| Bank of Franklin County - New Haven Branch | New Haven , MO | 63068 | $31.2M |
| O' Fallon Branch | O Fallon , MO | 63368 | $17.6M |
| Bank of Franklin County - Ellisville Branch | Ellisville , MO | 63011 | $8.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 101 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 86 applications, 59 loans originated, $20.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $772K approved, $772K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 County
What are Bank of Franklin County's total assets?
As of the Q2 2026 filing, Bank of Franklin County reported total assets of $419.4 million in its FFIEC call report.
Where is Bank of Franklin County headquartered?
It is headquartered in Washington, MO, United States.
When was Bank of Franklin County founded?
It was established in 2000, per the FDIC institution directory.
Is Bank of Franklin County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35543). 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 County?
Bank of Franklin County's primary federal regulator is the FDIC.
How many branches does Bank of Franklin County operate?
It operates 6 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 County's Texas Ratio?
Its Texas Ratio is 3.59% 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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