Franklin Bank
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Data as of · sourced from FFIEC call reports. How we update
Franklin Bank is an FDIC-insured savings bank headquartered in Pilesgrove, NJ, established in 1861 (FDIC certificate 30402), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $334.1M, up 2.6% from Q2 2025, the 40th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 17.38% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30402
- Headquarters
- Pilesgrove, NJ
- Established
- 1861
- Total assets, Q2 2026
- $334.1M
- Assets vs Q2 2025
- +2.6%
- CET1 ratio, Q2 2026
- 17.38%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 231271239
- Latest call report
- Q2 2026, FFIEC 051 · Franklin Bank call report
- Asset rank in state
- 40th of 49 in New Jersey
Franklin Bank, based in Pilesgrove, New Jersey, reported $334 million in assets at June 30, 2026, up 2.6% from a year earlier. It pays an average of 0.83% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $669,000, 79% above the same quarter a year earlier. Unrealized losses on its securities total $5.3 million, equal to 15% of Tier 1 capital, against 20% a year earlier. Profitability lags: it earns about $0.80 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Franklin Bank reported a CET1 capital ratio of 17.38%, a return on assets of 0.80%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 0.97%. The figures come from its call report filed with the FFIEC.
Of the 49 banks headquartered in New Jersey, Franklin Bank is the 40th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.0% to $334.1M, loans rose 1.8% and deposits fell 1.2%. 1-4 family residential loans made up 59.8% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 12.8%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in NJ; its Pilesgrove 2 offices book 26% of its branch deposits. Judged on its Q2 2026 call report, Franklin Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1179 Route 40, Pilesgrove, NJ 08098
- County
- Salem
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1861
- Former names
- The Franklin Savings Bank, S.L.A. (1988-2007)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $301.3M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $25K
- Average total assets
- $336.3M
- Average total loans
- $212.5M
- Average interest-bearing deposits
- $265.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30402
- Fed RSSD
- 574079
- Website
- www.franklinbnk.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Franklin Bank's total assets moved between a low of $312.8M (Q4 2023) and a high of $337.4M (Q1 2026) from Q3 2023 to Q2 2026, 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
$334.1M total assets against $325.5M; $303.3M total liabilities against $297.6M.
$213.0M net loans and leases against $208.5M; $301.3M total deposits against $295.8M.
$50.6M securities against $61.5M; $54.1M cash and balances due against $40.1M.
$3.7M total interest income against $3.5M; $635K total interest expense against $721K.
$3.1M net interest income against $2.8M.
$393K total noninterest income against $378K; $2.7M total noninterest expense against $2.6M.
-$106K provision for credit losses against $80K.
$669K net income against $374K.
0.80% return on assets against 0.46%; 3.81% net interest margin against 3.50%.
17.38% CET1 capital ratio against 16.98%; 10.28% tier 1 leverage ratio against 10.04%.
Inside the full Franklin Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFranklin Bank rankings
Its closest position to the top of a national ranking is 549 of 2,134, for CET1 ratio; its furthest is 3,127 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.33% (Q1 2025) to 0.80% (Q2 2026) and its net interest margin ran from 3.28% (Q1 2025) to 3.81% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.38% | 0.80% | 0.15% | 0.97% | 3.81% |
| Q1 2026 | 17.39% | 0.55% | 0.13% | 0.88% | 3.58% |
| Q4 2025 | 17.22% | 0.53% | 0.19% | 1.30% | 3.52% |
| Q3 2025 | 17.12% | 0.47% | 0.11% | 0.78% | 3.58% |
| Q2 2025 | 16.98% | 0.46% | 0.11% | 0.80% | 3.50% |
| Q1 2025 | 17.61% | 0.33% | 0.13% | 0.90% | 3.28% |
| Q4 2024 | 17.18% | 0.44% | 0.13% | 0.97% | 3.34% |
| Q3 2024 | 17.51% | 0.62% | 0.11% | 0.76% | 3.45% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Franklin Bank (main office) | Pilesgrove , NJ | 08098 | $76.2M |
| Pennsville Branch | Pennsville , NJ | 08070 | $62.8M |
| Salem Branch | Salem , NJ | 08079 | $54.1M |
| Woolwich Branch | Woolwich Township , NJ | 08085 | $45.0M |
| Franklinville Branch | Franklinville , NJ | 08322 | $35.0M |
| Ocean View Branch | Ocean View , NJ | 08230 | $27.2M |
| Online Branch | Pilesgrove , NJ | 08098 | $1.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 2, 1989 | Structure Change | Acquired Clayton Building & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 1989 | Structure Change | Acquired South Seaville Building & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NJ, rank 63 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Franklin Bank
What are Franklin Bank's total assets?
As of the Q2 2026 filing, Franklin Bank reported total assets of $334.1 million in its FFIEC call report.
Where is Franklin Bank headquartered?
It is headquartered in Pilesgrove, NJ, United States.
When was Franklin Bank founded?
It was established in 1861, per the FDIC institution directory.
Is Franklin Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Franklin Bank?
Franklin Bank's primary federal regulator is the FDIC.
What is Franklin Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Franklin Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Franklin Bank's Texas Ratio?
Its Texas Ratio is 0.97% 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.
What was Franklin Bank previously called?
The charter now named Franklin Bank has also operated as The Franklin Savings Bank, S.L.A. (1988-2007), per FDIC structure-change records.
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