Bank of Franklin County: 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 212.61 percentage points in Q2 2026, from 516.48% to 729.09%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Bank of Franklin County is 172nd of 192 on return on assets, 0.76% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Franklin County sits 0.49 points lower, at 0.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.53% |
| Equity capital to assets | 8.89% |
| Tangible equity to tangible assets | 8.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.41% |
| Texas ratio | 3.59% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 729.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.76% |
| Return on equity | 8.58% |
| Net interest margin | 3.85% |
| Efficiency ratio | 73.36% |
| Yield on earning assets | 5.93% |
| Cost of funds | 2.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.70% |
| Core deposits to total deposits | 92.00% |
| Brokered deposits to total deposits | 1.02% |
| Deposits to assets | 85.24% |
| Securities to assets | 8.98% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 8.75% | 0.32% |
| Q4 2023 | — | — | — | 9.12% | 0.49% |
| Q1 2024 | — | — | — | 8.96% | 0.30% |
| Q2 2024 | — | — | — | 8.76% | 0.26% |
| Q3 2024 | 9.92% | 9.92% | 10.93% | 8.62% | 0.40% |
| Q4 2024 | 10.16% | 10.16% | 11.19% | 8.71% | 0.68% |
| Q1 2025 | 10.31% | 10.31% | 11.38% | 8.83% | 0.42% |
| Q2 2025 | 10.29% | 10.29% | 11.38% | 8.96% | 0.65% |
| Q3 2025 | — | — | — | 9.26% | 0.76% |
| Q4 2025 | 10.46% | 10.46% | 11.58% | 9.41% | 0.76% |
| Q1 2026 | — | — | — | 9.54% | 0.71% |
| Q2 2026 | — | — | — | 9.53% | 0.76% |
Bank of Franklin County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Franklin County, 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 County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35543) · FFIEC NIC profile (RSSD 2913702)