Franklin Savings Bank (Franklin, NH)
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Data as of · sourced from FFIEC call reports. How we update
Franklin Savings Bank is an FDIC-insured savings bank headquartered in Franklin, NH, established in 1869 (FDIC certificate 17951), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $931.4M, up 2.9% from Q2 2025, the 6th largest of 16 banks headquartered in New Hampshire. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.75% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17951
- Headquarters
- Franklin, NH
- Established
- 1869
- Total assets, Q2 2026
- $931.4M
- Assets vs Q2 2025
- +2.9%
- Tier 1 leverage ratio, Q2 2026
- 9.75%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 211770174
- Latest call report
- Q2 2026, FFIEC 051 · Franklin Savings Bank call report
- Holding company
- FRANKLIN BANCORP MHC
- Asset rank in state
- 6th of 16 in New Hampshire
Problem loans are rising at Franklin Savings Bank. Its balance sheet stood at $931 million at June 30, 2026, up 2.9% from a year earlier; it is based in Franklin, New Hampshire. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.50% of loans from 0.02% a year earlier. It holds commercial real estate loans worth 3.4 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 3.36 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $2.4 million, 51% above the same quarter a year earlier.
As of June 30, 2026, Franklin Savings Bank reported a return on assets of 1.04%, a nonperforming-loan ratio of 0.50% and a Texas ratio of 4.14%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Franklin Savings Bank is the 6th largest of the 16 banks headquartered in New Hampshire. Between Q1 2026 and Q2 2026, its total assets rose 2.6% to $931.4M, loans rose 0.3% and deposits rose 0.6%. 1-4 family residential loans made up 30.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 28.2%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities in NH; its Franklin 3 offices book 38% of its branch deposits. On its Q2 2026 call report, Franklin Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 387 Central St, Franklin, NH 03235
- County
- Merrimack
- Metro Area
- Concord, NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 30, 1869
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 105
- Domestic deposits
- $776.1M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $926.6M
- Average total loans
- $729.9M
- Average interest-bearing deposits
- $629.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1959
- FDIC Cert
- 17951
- Fed RSSD
- 491402
- Website
- www.fsbnh.bank →
- Parent Holding Company
- FRANKLIN BANCORP MHC (RSSD 4459848)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Franklin Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Franklin Savings Bank's total assets ran between $774.4M (Q3 2023) and $931.4M (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
$931.4M total assets against $905.3M; $849.1M total liabilities against $834.6M.
$725.5M net loans and leases against $688.9M; $776.1M total deposits against $747.3M.
$124.8M securities against $132.8M; $34.2M cash and balances due against $36.3M.
$11.4M total interest income against $10.3M; $4.0M total interest expense against $4.3M.
$7.4M net interest income against $6.0M.
$2.0M total noninterest income against $1.9M; $5.9M total noninterest expense against $5.7M.
$419K provision for credit losses against $235K.
$2.4M net income against $1.6M.
1.04% return on assets against 0.72%; 3.36% net interest margin against 2.86%.
9.75% tier 1 leverage ratio against 9.16%.
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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Franklin Savings Bank rankings
Its closest position to the top of a national ranking is 1,104 of 4,196, for total assets; its furthest is 2,419 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.41% (Q4 2024) to 1.14% (Q1 2026) and its net interest margin ran from 2.48% (Q3 2024) to 3.36% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.75% | 1.04% | 0.50% | 4.14% | 3.36% |
| Q1 2026 | 9.53% | 1.14% | 0.11% | 0.97% | 3.27% |
| Q4 2025 | 9.34% | 0.87% | 0.04% | 0.38% | 3.18% |
| Q3 2025 | 9.26% | 0.90% | 0.03% | 0.30% | 3.06% |
| Q2 2025 | 9.16% | 0.72% | 0.02% | 0.20% | 2.86% |
| Q1 2025 | 9.41% | 0.56% | 0.02% | 0.21% | 2.65% |
| Q4 2024 | 9.48% | 0.41% | 0.01% | 0.09% | 2.59% |
| Q3 2024 | 9.41% | 0.52% | 0.01% | 0.08% | 2.48% |
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) | Franklin , NH | 03235 | $212.5M |
| Bristol Branch | Bristol , NH | 03222 | $147.1M |
| Gilford Branch | Gilford , NH | 03249 | $104.9M |
| Boscawen Branch | Boscawen , NH | 03303 | $97.7M |
| Central Street Branch | Franklin , NH | 03235 | $76.9M |
| Tilton Branch | Tilton , NH | 03276 | $66.4M |
| Goffstown Branch | Goffstown , NH | 03045 | $33.8M |
| Merrimack Branch | Merrimack , NH | 03054 | $31.7M |
| Fsbnh.Bank Online Branch | Franklin , NH | 03235 | $5.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.6% of deposits in NH, rank 16 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 70 applications, 54 loans originated, $37.3M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $522K approved, $522K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $931.4 million in its FFIEC call report.
Where is Franklin Savings Bank headquartered?
It is headquartered in Franklin, NH, United States.
When was Franklin Savings Bank founded?
It was established in 1869, per the FDIC institution directory.
Is Franklin Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #17951). 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 FDIC.
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 4.14% 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.
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