Bank Comparison
First National Community Bank vs Franklin Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 15
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First National Community Bank | Franklin Bank |
|---|---|---|
| CET1 Ratio | 13.51% | 17.39% |
| Tier 1 Capital Ratio | 13.51% | 17.39% |
| Total Capital Ratio | 14.50% | 18.35% |
| Tier 1 Leverage Ratio | 9.33% | 10.11% |
| Equity / Assets | 7.73% | 8.93% |
Profitability
| Metric | First National Community Bank | Franklin Bank |
|---|---|---|
| Return on Assets (ROA) | 1.27% | 0.55% |
| Return on Equity (ROE) | 16.63% | 6.19% |
| Net Interest Margin (NIM) | 3.90% | 3.58% |
| Yield on Earning Assets | 5.44% | 4.38% |
| Cost of Funds | 1.66% | 0.85% |
Asset quality
| Metric | First National Community Bank | Franklin Bank |
|---|---|---|
| Texas Ratio | 5.42% | 1.74% |
| Non-Performing Loan Ratio | 0.66% | 0.26% |
| Non-Performing Asset Ratio | 0.45% | 0.17% |
| Net Charge-Off Ratio | 0.00% | 0.05% |
| ACL / Loans | 0.99% | 0.86% |
Balance sheet
| Metric | First National Community Bank | Franklin Bank |
|---|---|---|
| Total Assets | $336,799K | $337,448K |
| Total Deposits | $304,143K | $305,076K |
| Total Loans | $230,797K | $211,028K |
| Total Equity | $26,022K | $30,124K |
| Net Income (quarter) | $1,067K | $463 |
Liquidity & funding
| Metric | First National Community Bank | Franklin Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.88% | 69.17% |
| Core Deposit Ratio | 94.94% | 96.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Community Bank | Franklin Bank |
|---|---|---|
| Headquarters City | NEW RICHMOND | PILESGROVE |
| Headquarters State | WI | NJ |
| Asset Tier | Small | Small |
| Charter Class | 11412 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 8 |
| Employees (FTE) | 51 | 69 |
| Established | Jan. 1, 1919, midnight | Jan. 1, 1861, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First National Community Bank profile | View full Franklin Bank profile | Browse all bank comparisons