Franklin Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income fell 4.6% from Q1 2026 to Q2 2026, ending at -$2.6M against -$2.5M. It was the largest change among the key lines on this page. Among 16 Maine banks, Franklin Savings Bank sits 3rd from the top on CET1 ratio, 22.03% as of Q2 2026. Franklin Savings Bank reported 22.03% on CET1 ratio for Q2 2026, 6.96 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.03% |
| Tier 1 risk-based capital ratio | 22.03% |
| Total risk-based capital ratio | 22.85% |
| Tier 1 leverage ratio | 18.79% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $143.8M |
| Tier 1 capital | $143.8M |
| Total risk-based capital | $149.1M |
| Total equity capital | $141.2M |
| Risk-weighted assets | $652.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.94% |
| Tangible equity to tangible assets | 17.94% |
| Equity capital to average assets | 18.37% |
| Internal capital growth rate | 5.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $30.0M |
| Retained earnings | $113.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 25.58% | 25.58% | 26.47% | 20.92% | $505.8M |
| Q4 2023 | 24.90% | 24.90% | 25.79% | 20.51% | $522.6M |
| Q1 2024 | 24.53% | 24.53% | 25.41% | 20.01% | $534.6M |
| Q2 2024 | 23.91% | 23.91% | 24.75% | 19.81% | $553.5M |
| Q3 2024 | 23.13% | 23.13% | 23.94% | 19.33% | $578.8M |
| Q4 2024 | 22.62% | 22.62% | 23.40% | 18.99% | $594.8M |
| Q1 2025 | 22.82% | 22.82% | 23.61% | 18.72% | $595.6M |
| Q2 2025 | 22.29% | 22.29% | 23.05% | 18.90% | $617.6M |
| Q3 2025 | 22.21% | 22.21% | 23.05% | 18.57% | $627.0M |
| Q4 2025 | 21.94% | 21.94% | 22.76% | 18.63% | $637.9M |
| Q1 2026 | 22.23% | 22.23% | 23.07% | 18.64% | $637.6M |
| Q2 2026 | 22.03% | 22.03% | 22.85% | 18.79% | $652.6M |
Franklin Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin Savings Bank, freeSource: Call Report Schedule RC-R, 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19836) · FFIEC NIC profile (RSSD 228000)