Franklin Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Franklin Bank & Trust Company of Franklin, KY against its peer group of 2672 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 | 1.54% | 1.35% | +0.19% | 66th above |
| ROAE | 11.58% | 12.05% | -0.47% | 45th below |
| Net Interest Margin | 4.08% | 3.90% | +0.18% | 58th above |
| Efficiency Ratio | 51.20% | 63.15% | -11.95% | 78th top |
| PPNR / Avg Assets | 2.23% | 1.64% | +0.59% | 81st top |
| Yield on Earning Assets | 6.23% | 5.65% | +0.58% | 78th top |
| Cost of Funds | 2.37% | 1.85% | +0.52% | 19th bottom |
| Net Interest Spread | 3.35% | 3.35% | +0.00% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.41% | 0.92% | -0.51% | 50th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.35% | 0.67% | -0.32% | 47th below |
| NCO / Avg Loans | 0.26% | 0.14% | +0.12% | 10th bottom |
| ACL / Total Loans | 0.93% | 1.28% | -0.35% | 19th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 226.17% | 1645.74% | -1419.57% | 52nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.70% | 7.15% | -0.45% | 32nd below |
| Provision / NCO | 107.58% | 1189.86% | -1082.28% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.48% | 12.46% | +1.02% | 78th top |
| Equity / Assets | 13.36% | 11.67% | +1.69% | 81st top |
| TCE / Tangible Assets | 13.36% | 11.40% | +1.96% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.98% | 78.63% | +27.35% | 6th bottom |
| Core Deposit Ratio | 92.94% | 87.09% | +5.85% | 73rd above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.27% | 5.11% | -0.84% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.03% | 6.47% | +0.56% | 69th above |
| Loan Growth (Y/Y) | 7.90% | 7.64% | +0.26% | 64th above |
| Deposit Growth (Y/Y) | 3.01% | 6.02% | -3.01% | 43rd below |
See Franklin Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Franklin Bank & Trust Company, 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 & Trust Company profile, how to read a UBPR, or how this data updates.