Franklin Savings Bank (Farmington, ME)
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Data as of · sourced from FFIEC call reports. How we update
Franklin Savings Bank is an FDIC-insured commercial bank headquartered in Farmington, ME, established in 1868 (FDIC certificate 19836), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $786.9M, up 4.2% from Q2 2025, the 17th largest of 22 banks headquartered in Maine. Its CET1 capital ratio was 22.03% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 19836
- Headquarters
- Farmington, ME
- Established
- 1868
- Total assets, Q2 2026
- $786.9M
- Assets vs Q2 2025
- +4.2%
- CET1 ratio, Q2 2026
- 22.03%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 211274492
- Latest call report
- Q2 2026, FFIEC 051 · Franklin Savings Bank call report
- Holding company
- FSB BANCORP, INC.
- Asset rank in state
- 17th of 22 in Maine
Franklin Savings Bank carries far more capital than most banks of its size. Based in Farmington, Maine, it had $787 million in assets at June 30, 2026, up 4.2% from a year earlier. It funds 18.79% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it returns 5.7% a year on shareholders' equity, about half the median of 12.5% for banks its size.
Net income for the quarter rose 17% from a year earlier, to $2.0 million.
As of June 30, 2026, Franklin Savings Bank reported a CET1 capital ratio of 22.03%, a return on assets of 1.04%, a nonperforming-loan ratio of 1.36% and a Texas ratio of 6.27%. The figures come from its call report filed with the FFIEC.
Franklin Savings Bank ranks as the 17th largest of the 22 banks based in Maine, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.9% to $786.9M, loans rose 1.3% and deposits fell 0.9%. 1-4 family residential loans made up 45.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 29.5%. Its 9 offices in the FDIC Summary of Deposits are in 7 cities in ME; its Farmington 3 offices book 57% of its branch deposits. By the capital ratios in its Q2 2026 call report, Franklin Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 197 Main St, Farmington, ME 04938
- County
- Franklin
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 16, 1868
- Former names
- Franklin County Savings Bank (1970-1976)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 147
- Domestic deposits
- $601.1M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- $259K
- Average total assets
- $768.6M
- Average total loans
- $671.5M
- Average interest-bearing deposits
- $464.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1968
- FDIC Cert
- 19836
- Fed RSSD
- 228000
- Website
- www.franklinsavings.bank →
- Parent Holding Company
- FSB BANCORP, INC. (RSSD 2596767)
- Ultimate Parent
- FSB BANCORP, MHC (RSSD 2596758)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Franklin Savings Bank's total assets ran between $636.0M (Q3 2023) and $786.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$786.9M total assets against $755.2M; $645.7M total liabilities against $624.7M.
$670.5M net loans and leases against $638.6M; $601.1M total deposits against $587.5M.
$41.7M securities against $46.8M; $22.8M cash and balances due against $25.4M.
$11.1M total interest income against $10.2M; $3.0M total interest expense against $3.1M.
$8.0M net interest income against $7.0M.
$535K total noninterest income against $555K; $5.9M total noninterest expense against $5.3M.
$116K provision for credit losses against $72K.
$2.0M net income against $1.7M.
1.04% return on assets against 0.94%; 4.43% net interest margin against 4.06%.
22.03% CET1 capital ratio against 22.29%; 18.79% tier 1 leverage ratio against 18.90%.
Inside the full Franklin Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Franklin Savings Bank rankings
Its closest position to the top of a national ranking is 248 of 2,134, for CET1 ratio; its furthest is 2,633 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.34% (Q4 2025) to 1.04% (Q2 2026) and its net interest margin ran from 3.68% (Q3 2024) to 4.43% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.03% | 1.04% | 1.36% | 6.27% | 4.43% |
| Q1 2026 | 22.23% | 0.96% | 1.32% | 6.08% | 4.36% |
| Q4 2025 | 21.94% | 0.34% | 1.57% | 7.20% | 4.24% |
| Q3 2025 | 22.21% | 0.88% | 1.35% | 6.26% | 4.17% |
| Q2 2025 | 22.29% | 0.94% | 1.31% | 6.15% | 4.06% |
| Q1 2025 | 22.82% | 0.76% | 1.05% | 4.86% | 3.82% |
| Q4 2024 | 22.62% | 0.37% | 0.92% | 4.23% | 3.79% |
| Q3 2024 | 23.13% | 0.88% | 1.00% | 4.55% | 3.68% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Franklin Savings Bank (main office) | Farmington , ME | 04938 | $338.6M |
| Rumford Branch | Rumford , ME | 04276 | $88.3M |
| Rangeley Branch | Rangeley , ME | 04970 | $61.3M |
| Somerset Branch | Skowhegan , ME | 04976 | $47.9M |
| Jay Branch | Jay , ME | 04239 | $29.3M |
| Wilton Branch | Wilton , ME | 04294 | $20.1M |
| Ellsworth Branch | Ellsworth , ME | 04605 | $10.2M |
| Mt. Blue High School Branch | Farmington , ME | 04938 | $3.8M |
| Https:Www.Franklinsavings.BankOpen-An-Account Branch | Farmington , ME | 04938 | $1.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.3% of deposits in ME, rank 21 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $1.6M approved, $271K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Franklin Savings Bank
What are Franklin Savings Bank's total assets?
As of the Q2 2026 filing, Franklin Savings Bank reported total assets of $786.9 million in its FFIEC call report.
Where is Franklin Savings Bank headquartered?
It is headquartered in Farmington, ME, United States.
When was Franklin Savings Bank founded?
It was established in 1868, per the FDIC institution directory.
Is Franklin Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19836). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Franklin Savings Bank?
Franklin Savings Bank's primary federal regulator is the Federal Reserve.
What is Franklin Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.03% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Franklin Savings Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Franklin Savings Bank's Texas Ratio?
Its Texas Ratio is 6.27% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Franklin Savings Bank previously called?
The charter now named Franklin Savings Bank has also operated as Franklin County Savings Bank (1970-1976), per FDIC structure-change records.
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