Franklin Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Franklin Bank of Pilesgrove, NJ against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.80% | 1.25% | -0.45% | 22nd bottom |
| ROAE | 8.79% | 12.22% | -3.43% | 28th below |
| Net Interest Margin | 3.81% | 3.95% | -0.14% | 42nd below |
| Efficiency Ratio | 76.81% | 63.71% | +13.10% | 16th bottom |
| PPNR / Avg Assets | 0.96% | — | — | 18th bottom |
| Yield on Earning Assets | 4.59% | 5.67% | -1.08% | 10th bottom |
| Cost of Funds | 0.83% | 1.87% | -1.04% | 95th top |
| Net Interest Spread | 3.63% | — | — | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.88% | -0.73% | 70th above |
| NPA / Total Assets | 0.09% | — | — | 72nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 49th below |
| ACL / Total Loans | 0.81% | — | — | 11th bottom |
| ACL / NPLs (Coverage) | 549.52% | — | — | 72nd above |
| Texas Ratio | 0.97% | 5.96% | -4.99% | 69th above |
| Provision / NCO | -10600.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.38% | 17.18% | +0.20% | 65th above |
| Tier 1 Ratio | 17.38% | 17.21% | +0.17% | 65th above |
| Total Capital Ratio | 18.26% | — | — | 64th above |
| Leverage Ratio | 10.28% | 11.75% | -1.47% | 37th below |
| Equity / Assets | 9.21% | 10.98% | -1.77% | 30th below |
| TCE / Tangible Assets | 9.21% | — | — | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.27% | 80.44% | -9.17% | 69th above |
| Core Deposit Ratio | 96.71% | 86.95% | +9.76% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.64% | — | — | 36th below |
| Loan Growth (Y/Y) | 2.14% | — | — | 31st below |
| Deposit Growth (Y/Y) | 1.88% | — | — | 34th below |
See Franklin Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Franklin Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Franklin Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Franklin Bank peer analysis.