Franklin Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.50 percentage points higher than in Q1 2026, at 112.41%. Franklin Savings Bank ranks 6th of 22 Maine banks on loan-to-deposit ratio, in the upper half at 112.41% (Q2 2026). Franklin Savings Bank reported 112.41% on loan-to-deposit ratio for Q2 2026, 31.57 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $675.7M |
| Net loans and leases | $670.5M |
| Loans held for sale | $0 |
| Loans to total assets | 85.87% |
| Loan-to-deposit ratio | 112.41% |
| Net loans to equity capital | 4.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.80% |
| Multifamily (5+ residential) | 4.88% |
| Commercial and industrial | 6.88% |
| Consumer | 1.37% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.48% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 73.44% |
| Construction concentration (Tier 1 capital + allowance) | 17.33% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.37% |
| Interest income on loans | $10.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $524.8M | $487.1M | 32.59% | 9.80% | 2.32% |
| Q4 2023 | $547.2M | $484.6M | 33.88% | 9.07% | 2.18% |
| Q1 2024 | $563.9M | $501.9M | 35.52% | 8.30% | 2.00% |
| Q2 2024 | $583.0M | $494.6M | 36.83% | 8.03% | 2.00% |
| Q3 2024 | $608.9M | $529.3M | 37.55% | 7.39% | 1.90% |
| Q4 2024 | $621.3M | $546.1M | 38.84% | 6.66% | 1.72% |
| Q1 2025 | $627.4M | $586.8M | 39.17% | 6.67% | 1.63% |
| Q2 2025 | $643.2M | $587.5M | 38.47% | 6.75% | 1.62% |
| Q3 2025 | $659.0M | $596.3M | 37.88% | 6.88% | 1.59% |
| Q4 2025 | $663.5M | $610.5M | 37.46% | 6.73% | 1.49% |
| Q1 2026 | $666.8M | $606.7M | 36.88% | 6.69% | 1.42% |
| Q2 2026 | $675.7M | $601.1M | 36.80% | 6.88% | 1.37% |
Franklin Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin Savings Bank, freeSource: Call Report Schedule RC-C, 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)