Franklin Bank & Trust Company: 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: 115.85 percentage points higher than in Q1 2026, at 226.17%. Franklin Bank & Trust Company ranks 44th of 119 Kentucky banks on return on assets, in the upper half at 1.54% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Franklin Bank & Trust Company sits 0.29 points higher, at 1.54% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.48% |
| Equity capital to assets | 13.36% |
| Tangible equity to tangible assets | 13.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.41% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.26% |
| Texas ratio | 6.70% |
| Allowance for credit losses to loans | 0.93% |
| Reserve coverage of non-performing loans | 226.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 11.58% |
| Net interest margin | 4.08% |
| Efficiency ratio | 51.20% |
| Yield on earning assets | 6.23% |
| Cost of funds | 2.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.98% |
| Core deposits to total deposits | 92.94% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.98% |
| Securities to assets | 1.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.67% | 0.03% | 3.46% | 1.25% | 1.94% |
| Q4 2023 | 11.82% | 1.27% | 3.57% | 1.22% | 0.00% |
| Q1 2024 | 11.48% | 1.19% | 3.36% | 0.88% | 0.05% |
| Q2 2024 | 11.92% | 1.14% | 3.53% | 0.91% | 0.16% |
| Q3 2024 | 12.57% | 1.31% | 3.61% | 0.90% | 0.01% |
| Q4 2024 | 12.94% | 1.76% | 3.88% | 0.37% | 0.10% |
| Q1 2025 | 12.77% | 1.24% | 3.69% | 0.32% | 0.19% |
| Q2 2025 | 13.11% | 1.37% | 3.79% | 0.33% | 0.24% |
| Q3 2025 | 13.31% | 1.48% | 3.95% | 0.46% | 0.23% |
| Q4 2025 | 13.40% | 1.57% | 4.10% | 0.42% | 0.21% |
| Q1 2026 | 13.26% | 1.62% | 3.95% | 0.85% | 0.05% |
| Q2 2026 | 13.48% | 1.54% | 4.08% | 0.41% | 0.26% |
Franklin Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17937) · FFIEC NIC profile (RSSD 493844)