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 Franklin, NH against its peer group of 2672 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% | 1.34% | -0.30% | 36th below |
| ROAE | 11.88% | 13.32% | -1.44% | 47th below |
| Net Interest Margin | 3.36% | 3.93% | -0.57% | 22nd bottom |
| Efficiency Ratio | 62.24% | 61.14% | +1.10% | 48th below |
| PPNR / Avg Assets | 1.51% | 1.68% | -0.17% | 45th below |
| Yield on Earning Assets | 5.16% | 5.67% | -0.51% | 29th below |
| Cost of Funds | 1.91% | 1.88% | +0.03% | 43rd below |
| Net Interest Spread | 2.88% | 3.32% | -0.44% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.50% | 0.94% | -0.44% | 45th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.70% | -0.31% | 45th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 47th below |
| ACL / Total Loans | 0.89% | 1.28% | -0.39% | 17th bottom |
| ACL / NPLs (Coverage) | 180.19% | 1540.01% | -1359.82% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.14% | 7.33% | -3.19% | 46th below |
| Provision / NCO | 2706.25% | 1393.69% | +1312.56% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.75% | 12.14% | -2.39% | 26th below |
| Equity / Assets | 8.83% | 11.38% | -2.55% | 25th below |
| TCE / Tangible Assets | 8.74% | 11.10% | -2.36% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.33% | 80.62% | +13.71% | 20th bottom |
| Core Deposit Ratio | 93.73% | 86.85% | +6.88% | 78th top |
| Wholesale Funding Ratio | 7.01% | 5.03% | +1.98% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.88% | 6.86% | -3.98% | 39th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.39% | 7.91% | -2.52% | 50th above |
| Deposit Growth (Y/Y) | 3.85% | 6.29% | -2.44% | 49th below |
See Franklin Savings Bank's peers by name
The 2672 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.