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.
Cre concentration (tier 1 capital + allowance) dropped 11.82 percentage points in Q2 2026, from 354.79% to 342.97%. It was the largest change from Q1 2026 among the key lines here. Within New Hampshire, Franklin Savings Bank is 9th of 16 on loan-to-deposit ratio, 94.33% as of Q2 2026, below the middle of the field. Franklin Savings Bank reported 94.33% on loan-to-deposit ratio for Q2 2026, 13.49 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $732.1M |
| Net loans and leases | $725.5M |
| Loans held for sale | $0 |
| Loans to total assets | 78.60% |
| Loan-to-deposit ratio | 94.33% |
| Net loans to equity capital | 8.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.14% |
| Multifamily (5+ residential) | 12.11% |
| Commercial and industrial | 4.87% |
| Consumer | 0.18% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 342.97% |
| Construction concentration (Tier 1 capital + allowance) | 38.10% |
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 | 5.68% |
| Interest income on loans | $10.3M |
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 | $564.6M | $686.8M | 38.76% | 4.36% | 0.34% |
| Q4 2023 | $579.7M | $668.0M | 37.79% | 4.25% | 0.35% |
| Q1 2024 | $585.7M | $661.5M | 38.55% | 4.65% | 0.34% |
| Q2 2024 | $596.1M | $665.5M | 37.77% | 4.74% | 0.31% |
| Q3 2024 | $599.9M | $688.4M | 39.83% | 5.15% | 0.29% |
| Q4 2024 | $617.8M | $701.1M | 41.19% | 4.96% | 0.26% |
| Q1 2025 | $656.1M | $714.2M | 41.62% | 5.46% | 0.24% |
| Q2 2025 | $694.6M | $747.3M | 43.28% | 5.68% | 0.21% |
| Q3 2025 | $712.9M | $762.2M | 43.94% | 5.44% | 0.20% |
| Q4 2025 | $738.7M | $794.5M | 45.07% | 5.21% | 0.19% |
| Q1 2026 | $730.0M | $771.5M | 45.77% | 4.87% | 0.18% |
| Q2 2026 | $732.1M | $776.1M | 45.14% | 4.87% | 0.18% |
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 17951) · FFIEC NIC profile (RSSD 491402)