Bank call report · Washington, MO
Bank of Franklin County Call Report
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Bank of Franklin County filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 300 reported line items, schedule by schedule (579 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 2913702 |
| FDIC certificate number | 35543 |
| Total assets | $419.4M |
Official Q2 2026 call report PDF (FFIEC) →
Bank of Franklin County call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (28 items)
About Schedule RC · Bank of Franklin County balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $419.4M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $419.4M |
| Total Liabilities and Minority Interest | RCON2948 | $382.1M |
| Total Deposits | RCON2200 | $357.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $345.4M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $341.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $295.6M |
| Deposits: Noninterest-bearing | RCON6631 | $61.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $37.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $37.3M |
| Total Equity Capital | RCON3210 | $37.3M |
| Other Borrowed Money | RCON3190 | $21.9M |
| Surplus | RCON3839 | $20.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $18.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $14.7M |
| Other Assets | RCON2160 | $12.2M |
| Interest-bearing Balances | RCON0071 | $8.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $4.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.8M |
| Other Liabilities, Total | RCON2930 | $1.9M |
| Common Stock | RCON3230 | $1.0M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $697K |
| Federal Funds Sold | RCONB987 | $690K |
| Other Real Estate Owned | RCON2150 | $551K |
| Loans and Leases Held for Sale | RCON5369 | $344K |
| Intangible Assets | RCON2143 | $161K |
| Minority Interest in Consolidated Subsidiaries and Similar Items | RCON3000 | $52K |
Schedule RI: Income Statement (47 items)
About Schedule RI · Bank of Franklin County income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $11.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $10.8M |
| Net Interest Income | RIAD4074 | $7.3M |
| Total Noninterest Expense | RIAD4093 | $6.2M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.3M |
| Total Interest Expense | RIAD4073 | $4.2M |
| Salaries and Employee Benefits | RIAD4135 | $3.6M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $2.8M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.0M |
| Other Noninterest Expense | RIAD4092 | $1.9M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.5M |
| Net Income (Loss) | RIAD4340 | $1.5M |
| Total Noninterest Income | RIAD4079 | $1.1M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $810K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $703K |
| Other Noninterest Income | RIADB497 | $509K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $440K |
| Applicable Income Taxes | RIAD4302 | $418K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $396K |
| Interest on Other Securities | RIAD4060 | $295K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $285K |
| Provision for Loan and Lease Losses | RIAD4230 | $276K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $248K |
| Other Interest Income | RIAD4518 | $213K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $197K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $145K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $134K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $124K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $80K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $67K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $62K |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $57K |
| Net Servicing Fees | RIADB492 | $57K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $49K |
| Fees and Commissions from Annuity Sales | RIADC887 | $46K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $35K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $11K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $8K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $6K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $3K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$2K |
| Less: Net Income (Loss) Attributable to Noncontrolling (Minority) Interests | RIADG103 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 74 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $11.8M |
| Balances Due from Federal Reserve Banks | RCON0090 | $8.3M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $2.1M |
| Currency and Coin | RCON0080 | $1.4M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $11K |
Schedule RC-B: Securities (20 items)
About Schedule RC-B · Bank of Franklin County securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $14.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $12.2M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $41.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $20.7M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $19.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $12.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $11.6M |
| Pledged Securities | RCON0416 | $7.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $5.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $5.2M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $4.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $4.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $2.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $2.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $1.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $1.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $796K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $742K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $550K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $105K |
Schedule RC-C, Part I: Loans and Leases (35 items)
About Schedule RC-C, Part I · Bank of Franklin County loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $345.7M |
| Pledged Loans and Leases | RCONG378 | $167.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $93.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $85.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $84.4M |
| Commercial and Industrial Loans | RCON1766 | $79.8M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $79.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $74.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $70.4M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $67.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $55.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $44.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $43.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $37.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $32.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $14.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $12.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $8.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $7.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $6.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $6.2M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $5.5M |
| Real Estate Loans Secured by Farmland | RCON1420 | $4.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $3.9M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $3.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.4M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $2.5M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.9M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $1.2M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $198K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $13K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $12K |
| Other Loans | RCONJ464 | $12K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $9K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (22 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $26.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $18.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $5.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $4.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $4.2M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $514K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $253K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $113K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $85K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $64K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 148 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 60 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 59 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 52 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 36 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 13 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 6 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 4 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 4 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
Schedule RC-E: Deposit Liabilities (31 items)
About Schedule RC-E · Bank of Franklin County deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $226.9M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $219.0M |
| Total Transaction Accounts | RCON2215 | $130.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $124.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $108.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $71.0M |
| Total Demand Deposits (See Note Below) | RCON2210 | $61.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $60.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $59.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $47.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $44.4M |
| Total reciprocal deposits | RCONJH83 | $33.7M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $27.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $25.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $18.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $16.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $14.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $14.2M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $12.6M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $12.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $8.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $6.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $5.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $4.7M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $4.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $4.6M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $3.6M |
| Total Brokered Deposits | RCON2365 | $3.6M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $2.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $1.5M |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $2K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $5.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $4.1M |
| Accrued Interest Receivable | RCONB556 | $1.5M |
| Net Deferred Tax Assets | RCON2148 | $1.0M |
| Other Assets | RCON2168 | $544K |
| Prepaid Expenses | RCON2166 | $460K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $1.3M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $376K |
| All Other Liabilities | RCON2938 | $165K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $132K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $75K |
Schedule RC-K: Quarterly Averages (18 items)
About Schedule RC-K · Bank of Franklin County quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $420.9M |
| Quarterly Average of Total Loans | RCON3360 | $349.1M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $165.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $129.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $93.1M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $82.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $71.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $64.5M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $33.1M |
| All Other Securities | RCONB560 | $25.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $21.1M |
| Mortgage-backed Securities | RCONB559 | $15.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $3.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $1.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $796K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $576K |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $254K |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $156K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (10 items)
About Schedule RC-L · Bank of Franklin County derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $50.3M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $20.4M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $14.7M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $7.3M |
| Interest Rate Forward Contracts | RCON8697 | $3.8M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $3.7M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $3.5M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $2.5M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $130K |
| Performance Standby Letters of Credit | RCON3821 | $32K |
Schedule RC-M: Memoranda (8 items)
About Schedule RC-M · Bank of Franklin County memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $11.2M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $11.2M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $10.7M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $3.3M |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $551K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $161K |
| Mortgage Servicing Assets | RCON3164 | $161K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (10 items)
About Schedule RC-N · Bank of Franklin County past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $550K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $380K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $380K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $332K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $119K |
| Additions to Nonaccrual Assets | RCONC410 | $108K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $93K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $38K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $38K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $6K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Bank of Franklin County other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $420.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $368.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $275.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $78.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $39.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $13.1M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.3M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 15,722 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 484 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 146 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 4 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · Bank of Franklin County regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $420.9M |
| Average total consolidated assets | RCOAKW03 | $420.9M |
| Total Assets | RCOA2170 | $419.4M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $92.7M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $91.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $40.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $40.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $40.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $37.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $21.4M |
| Retained Earnings | RCOAKW00 | $18.8M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.8M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$2.8M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $1.1M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.2211 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0953 |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $65.8M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCONB804 | $65.8M |
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $16.5M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $10.2M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $1.0M |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $37.3M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $36.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $36.5M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $700K |
| Other Comprehensive Income | RIADB511 | -$88K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)
About Schedule RI-B, Part I · Bank of Franklin County charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $369K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $347K |
| Charge-offs on Automobile Loans | RIADK129 | $20K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $7K |
| Recoveries on Automobile Loans | RIADK133 | $5K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $2K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Bank of Franklin County changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $4.1M |
| Allowance for Loan and Lease Losses | RIAD3123 | $4.0M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $369K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$28K |
Schedule RI-E: Explanations (3 items)
Bank of Franklin County call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Bank of Franklin County call report?
The Bank of Franklin County call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Bank of Franklin County file?
Bank of Franklin County files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Bank of Franklin County call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Bank of Franklin County has Federal Reserve RSSD ID 2913702 and FDIC certificate number 35543. Either one finds its filings on the FFIEC Central Data Repository.
How often does Bank of Franklin County file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Bank of Franklin County financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 35543) · FFIEC NIC profile (RSSD 2913702)