Franklin Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (Tier 1 capital + allowance) climbed 6.35 percentage points in Q2 2026, from 33.77% to 40.12%. It was the largest change from Q1 2026 among the key lines here. Franklin Bank ranks 36th of 49 New Jersey banks on loan-to-deposit ratio, in the lower half at 71.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Franklin Bank sits 9.28 points lower, at 71.27% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $214.8M |
| Net loans and leases | $213.0M |
| Loans held for sale | $0 |
| Loans to total assets | 64.29% |
| Loan-to-deposit ratio | 71.27% |
| Net loans to equity capital | 6.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.01% |
| Multifamily (5+ residential) | 3.91% |
| Commercial and industrial | 3.51% |
| Consumer | 0.65% |
| Credit cards | 0.00% |
| Farm | 0.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 135.73% |
| Construction concentration (Tier 1 capital + allowance) | 40.12% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.40% |
| Interest income on loans | $2.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $185.3M | $299.7M | 20.89% | 2.04% | 1.01% |
| Q4 2023 | $191.7M | $285.4M | 21.25% | 2.21% | 0.98% |
| Q1 2024 | $193.6M | $293.1M | 21.41% | 2.47% | 0.97% |
| Q2 2024 | $197.2M | $291.1M | 21.84% | 2.64% | 1.00% |
| Q3 2024 | $200.1M | $288.9M | 21.27% | 3.35% | 0.96% |
| Q4 2024 | $205.7M | $293.9M | 21.69% | 2.89% | 0.92% |
| Q1 2025 | $205.3M | $297.2M | 21.55% | 3.02% | 0.92% |
| Q2 2025 | $210.3M | $295.8M | 22.27% | 3.21% | 0.88% |
| Q3 2025 | $210.3M | $297.3M | 23.45% | 3.07% | 0.81% |
| Q4 2025 | $211.7M | $302.5M | 24.52% | 3.17% | 0.78% |
| Q1 2026 | $211.0M | $305.1M | 24.76% | 3.19% | 0.73% |
| Q2 2026 | $214.8M | $301.3M | 25.01% | 3.51% | 0.65% |
Franklin Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin Bank, freeSource: Call Report Schedule RC-C, 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 Franklin Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30402) · FFIEC NIC profile (RSSD 574079)