Franklin Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Franklin Savings Bank of Farmington, ME against its peer group of 2603 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 | 1.04% | 1.35% | -0.31% | 36th below |
| ROAE | 5.71% | 13.33% | -7.62% | 16th bottom |
| Net Interest Margin | 4.43% | 3.93% | +0.50% | 76th top |
| Efficiency Ratio | 68.66% | 61.13% | +7.53% | 31st below |
| PPNR / Avg Assets | 1.39% | 1.68% | -0.29% | 39th below |
| Yield on Earning Assets | 6.08% | 5.67% | +0.41% | 72nd above |
| Cost of Funds | 1.93% | 1.88% | +0.05% | 41st below |
| Net Interest Spread | 3.62% | 3.32% | +0.30% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.32% | 0.94% | +0.38% | 21st bottom |
| NPA / Total Assets | 1.14% | 0.70% | +0.44% | 17th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 28th below |
| ACL / Total Loans | 0.76% | 1.28% | -0.52% | 9th bottom |
| ACL / NPLs (Coverage) | 57.72% | 1547.36% | -1489.64% | 13th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.29% | 7.34% | -1.05% | 34th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 156.76% | 1396.30% | -1239.54% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.03% | 19.48% | +2.55% | 83rd top |
| Tier 1 Ratio | 22.03% | 19.51% | +2.52% | 83rd top |
| Total Capital Ratio | 22.85% | 20.60% | +2.25% | 82nd top |
| Leverage Ratio | 18.79% | 12.14% | +6.65% | 95th top |
| Equity / Assets | 17.94% | 11.36% | +6.58% | 94th top |
| TCE / Tangible Assets | 17.94% | 11.08% | +6.86% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 112.41% | 80.64% | +31.77% | 2nd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.62% | 86.85% | +0.77% | 42nd below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.50% | 5.04% | -0.54% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.19% | 6.84% | -2.65% | 48th below |
| Loan Growth (Y/Y) | 5.06% | 7.92% | -2.86% | 48th below |
| Deposit Growth (Y/Y) | 2.31% | 6.29% | -3.98% | 37th below |
See Franklin Savings Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Franklin Savings Bank, 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 Savings Bank profile, how to read a UBPR, or how this data updates.