Franklin Bank: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 94.45 percentage points lower than in Q1 2026, at 549.52%. Within New Jersey, Franklin Bank is 24th of 49 on return on assets, 0.80% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Franklin Bank sits 0.46 points lower, at 0.80% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.38% |
| Tier 1 risk-based capital ratio | 17.38% |
| Total risk-based capital ratio | 18.26% |
| Tier 1 leverage ratio | 10.28% |
| Equity capital to assets | 9.21% |
| Tangible equity to tangible assets | 9.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.97% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of non-performing loans | 549.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.80% |
| Return on equity | 8.79% |
| Net interest margin | 3.81% |
| Efficiency ratio | 76.81% |
| Yield on earning assets | 4.59% |
| Cost of funds | 0.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.27% |
| Core deposits to total deposits | 96.71% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.21% |
| Securities to assets | 15.16% |
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 | 17.46% | 17.46% | 18.44% | 9.26% | 0.91% |
| Q4 2023 | 17.32% | 17.32% | 18.29% | 9.67% | 0.75% |
| Q1 2024 | 17.30% | 17.30% | 18.24% | 9.86% | 0.59% |
| Q2 2024 | 17.44% | 17.44% | 18.38% | 9.85% | 0.76% |
| Q3 2024 | 17.51% | 17.51% | 18.46% | 10.18% | 0.62% |
| Q4 2024 | 17.18% | 17.18% | 18.14% | 10.03% | 0.44% |
| Q1 2025 | 17.61% | 17.61% | 18.57% | 9.98% | 0.33% |
| Q2 2025 | 16.98% | 16.98% | 17.95% | 10.04% | 0.46% |
| Q3 2025 | 17.12% | 17.12% | 18.10% | 10.14% | 0.47% |
| Q4 2025 | 17.22% | 17.22% | 18.19% | 10.01% | 0.53% |
| Q1 2026 | 17.39% | 17.39% | 18.35% | 10.11% | 0.55% |
| Q2 2026 | 17.38% | 17.38% | 18.26% | 10.28% | 0.80% |
Franklin Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin Bank, 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 Franklin Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30402) · FFIEC NIC profile (RSSD 574079)