Franklin Savings Bank: 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: 5.23 percentage points lower than in Q1 2026, at 57.72%. Franklin Savings Bank ranks 12th of 22 Maine banks on return on assets, in the lower half at 1.04% (Q2 2026). Franklin Savings Bank reported 1.04% on return on assets for Q2 2026, 0.21 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.03% |
| Tier 1 risk-based capital ratio | 22.03% |
| Total risk-based capital ratio | 22.85% |
| Tier 1 leverage ratio | 18.79% |
| Equity capital to assets | 17.94% |
| Tangible equity to tangible assets | 17.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.32% |
| Non-performing assets ratio | 1.14% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 6.29% |
| Allowance for credit losses to loans | 0.76% |
| Reserve coverage of non-performing loans | 57.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 5.71% |
| Net interest margin | 4.43% |
| Efficiency ratio | 68.66% |
| Yield on earning assets | 6.08% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 112.41% |
| Core deposits to total deposits | 87.62% |
| Brokered deposits to total deposits | 5.38% |
| Deposits to assets | 76.39% |
| Securities to assets | 5.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 25.58% | 25.58% | 26.47% | 20.92% | 1.05% |
| Q4 2023 | 24.90% | 24.90% | 25.79% | 20.51% | 0.47% |
| Q1 2024 | 24.53% | 24.53% | 25.41% | 20.01% | 0.63% |
| Q2 2024 | 23.91% | 23.91% | 24.75% | 19.81% | 0.72% |
| Q3 2024 | 23.13% | 23.13% | 23.94% | 19.33% | 0.88% |
| Q4 2024 | 22.62% | 22.62% | 23.40% | 18.99% | 0.37% |
| Q1 2025 | 22.82% | 22.82% | 23.61% | 18.72% | 0.76% |
| Q2 2025 | 22.29% | 22.29% | 23.05% | 18.90% | 0.94% |
| Q3 2025 | 22.21% | 22.21% | 23.05% | 18.57% | 0.88% |
| Q4 2025 | 21.94% | 21.94% | 22.76% | 18.63% | 0.34% |
| Q1 2026 | 22.23% | 22.23% | 23.07% | 18.64% | 0.96% |
| Q2 2026 | 22.03% | 22.03% | 22.85% | 18.79% | 1.04% |
Franklin Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin Savings Bank, 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19836) · FFIEC NIC profile (RSSD 228000)