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: 572.23 percentage points lower than in Q1 2026, at 180.19%. On return on assets, Franklin Savings Bank ranks 3rd highest among the 16 banks headquartered in New Hampshire, 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 | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.75% |
| Equity capital to assets | 8.83% |
| Tangible equity to tangible assets | 8.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.14% |
| Allowance for credit losses to loans | 0.89% |
| Reserve coverage of non-performing loans | 180.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 11.88% |
| Net interest margin | 3.36% |
| Efficiency ratio | 62.24% |
| Yield on earning assets | 5.16% |
| Cost of funds | 1.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.33% |
| Core deposits to total deposits | 93.73% |
| Brokered deposits to total deposits | 0.47% |
| Deposits to assets | 83.32% |
| Securities to assets | 13.40% |
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 | 13.65% | 13.65% | 14.64% | 9.30% | 0.61% |
| Q4 2023 | 13.64% | 13.64% | 14.59% | 9.43% | 0.56% |
| Q1 2024 | 13.68% | 13.68% | 14.63% | 9.47% | 0.55% |
| Q2 2024 | 13.67% | 13.67% | 14.62% | 9.48% | 0.44% |
| Q3 2024 | 13.60% | 13.60% | 14.55% | 9.41% | 0.52% |
| Q4 2024 | 13.18% | 13.18% | 14.15% | 9.48% | 0.41% |
| Q1 2025 | 12.59% | 12.59% | 13.52% | 9.41% | 0.56% |
| Q2 2025 | 12.17% | 12.17% | 13.09% | 9.16% | 0.72% |
| Q3 2025 | 12.02% | 12.02% | 12.94% | 9.26% | 0.90% |
| Q4 2025 | 12.01% | 12.01% | 12.93% | 9.34% | 0.87% |
| Q1 2026 | 12.55% | 12.55% | 13.50% | 9.53% | 1.14% |
| Q2 2026 | — | — | — | 9.75% | 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 17951) · FFIEC NIC profile (RSSD 491402)