Franklin State Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Franklin State Bank & Trust Company is an FDIC-insured commercial bank headquartered in Winnsboro, LA, established in 1908 (FDIC certificate 11792), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $224.7M, up 1.7% from Q2 2025, the 71st largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 21.95% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11792
- Headquarters
- Winnsboro, LA
- Established
- 1908
- Total assets, Q2 2026
- $224.7M
- Assets vs Q2 2025
- +1.7%
- CET1 ratio, Q2 2026
- 21.95%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111101319
- Latest call report
- Q2 2026, FFIEC 041 · Franklin State Bank & Trust Company call report
- Holding company
- FRANKLIN BANCORP, INC.
- Asset rank in state
- 71st of 102 in Louisiana
Problem loans are rising at Franklin State Bank & Trust Company. It reported $225 million in assets at June 30, 2026, up 1.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.76% of loans from 0.22% a year earlier. It holds commercial real estate loans equal to only 13% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 21.95% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.12%).
Net income for the quarter rose 11% from a year earlier, to $990,000.
As of June 30, 2026, Franklin State Bank & Trust Company reported a CET1 capital ratio of 21.95%, a return on assets of 1.74%, a nonperforming-loan ratio of 0.76% and a Texas ratio of 4.54%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, Franklin State Bank & Trust Company is the 71st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.1% to $224.7M, loans rose 8.5% and deposits fell 1.7%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 31.1% of total loans, ahead of 1-4 family residential loans at 29.2%. The FDIC Summary of Deposits lists 4 offices for it, in Winnsboro, LA, Wisner, LA and Crowville, LA; its Winnsboro 2 offices book 87% of its branch deposits. Judged on its Q2 2026 call report, Franklin State Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 802 Prairie St, Winnsboro, LA 71295
- County
- Franklin
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1908
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $200.2M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $198K
- Average total assets
- $227.8M
- Average total loans
- $115.8M
- Average interest-bearing deposits
- $147.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11792
- Fed RSSD
- 1006652
- Website
- www.fsbnet.com →
- Parent Holding Company
- FRANKLIN BANCORP, INC. (RSSD 1109731)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Franklin State Bank & Trust Company's total assets moved between a low of $205.4M (Q2 2024) and a high of $234.7M (Q4 2025) from Q3 2023 to 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
$224.7M total assets against $220.8M; $202.0M total liabilities against $197.8M.
$124.5M net loans and leases against $121.6M; $200.2M total deposits against $196.0M.
$52.7M securities against $44.1M; $40.6M cash and balances due against $48.1M.
$3.3M total interest income against $3.2M; $867K total interest expense against $894K.
$2.4M net interest income against $2.3M.
$255K total noninterest income against $225K; $1.7M total noninterest expense against $1.6M.
$0 provision for credit losses against $0.
$990K net income against $889K.
1.74% return on assets against 1.63%; 4.39% net interest margin against 4.40%.
21.95% CET1 capital ratio against 22.14%; 10.03% tier 1 leverage ratio against 10.50%.
Inside the full Franklin State Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFranklin State Bank & Trust Company rankings
Its closest position to the top of a national ranking is 254 of 2,134, for CET1 ratio; its furthest is 2,831 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.79% (Q4 2024) to 2.36% (Q1 2026) and its net interest margin ran from 4.20% (Q4 2024) to 4.87% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.95% | 1.74% | 0.76% | 4.54% | 4.39% |
| Q1 2026 | 22.33% | 2.36% | 1.38% | 7.38% | 4.83% |
| Q4 2025 | 22.02% | 0.91% | 1.16% | 6.11% | 4.34% |
| Q3 2025 | 23.14% | 1.84% | 0.86% | 4.70% | 4.56% |
| Q2 2025 | 22.14% | 1.63% | 0.22% | 2.27% | 4.40% |
| Q1 2025 | 22.56% | 2.26% | 0.41% | 2.70% | 4.87% |
| Q4 2024 | 22.14% | 0.79% | 0.27% | 2.02% | 4.20% |
| Q3 2024 | 21.68% | 1.80% | 0.20% | 1.81% | 4.63% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 State Bank & Trust Company (main office) | Winnsboro , LA | 71295 | $174.8M |
| Wisner Branch | Wisner , LA | 71378 | $14.5M |
| Crowville Branch | Crowville , LA | 71230 | $10.9M |
| North Branch | Winnsboro , LA | 71295 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in LA, rank 81 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $11K approved, $11K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 State Bank & Trust Company
What are Franklin State Bank & Trust Company's total assets?
As of the Q2 2026 filing, Franklin State Bank & Trust Company reported total assets of $224.7 million in its FFIEC call report.
Where is Franklin State Bank & Trust Company headquartered?
It is headquartered in Winnsboro, LA, United States.
When was Franklin State Bank & Trust Company founded?
It was established in 1908, per the FDIC institution directory.
Is Franklin State Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11792). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Franklin State Bank & Trust Company?
Franklin State Bank & Trust Company's primary federal regulator is the FDIC.
What is Franklin State Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.95% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Franklin State Bank & Trust Company operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Franklin State Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 4.54% 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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