Bank call report · Winnsboro, LA
Franklin State Bank & Trust Company Call Report
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Franklin State Bank & Trust Company filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 313 reported line items, schedule by schedule (903 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 1006652 |
| FDIC certificate number | 11792 |
| Total assets | $224.7M |
Official Q2 2026 call report PDF (FFIEC) →
Franklin State Bank & Trust Company call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Franklin State Bank & Trust Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $224.7M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $224.7M |
| Total Liabilities and Minority Interest | RCON2948 | $202.0M |
| Total Deposits | RCON2200 | $200.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $145.9M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $126.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $124.5M |
| Deposits: Noninterest-bearing | RCON6631 | $54.4M |
| Interest-bearing Balances | RCON0071 | $34.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $32.1M |
| Total Equity Capital | RCON3210 | $22.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $22.7M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $20.6M |
| Held-to-maturity Securities, Total | RCON1754 | $20.6M |
| Surplus | RCON3839 | $11.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $10.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $5.9M |
| Other Assets | RCON2160 | $4.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.6M |
| Other Liabilities, Total | RCON2930 | $1.8M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.6M |
| Common Stock | RCON3230 | $600K |
| Other Real Estate Owned | RCON2150 | $140K |
| Accumulated Other Comprehensive Income | RCONB530 | -$127K |
Schedule RI: Income Statement (32 items)
About Schedule RI · Franklin State Bank & Trust Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $6.8M |
| Net Interest Income | RIAD4074 | $5.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $4.8M |
| Total Noninterest Expense | RIAD4093 | $3.3M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.3M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.3M |
| Net Income (Loss) | RIAD4340 | $2.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.3M |
| Salaries and Employee Benefits | RIAD4135 | $1.9M |
| Total Interest Expense | RIAD4073 | $1.8M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.5M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.3M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.2M |
| Other Noninterest Expense | RIAD4092 | $1.1M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.0M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $932K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $890K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $748K |
| Total Noninterest Income | RIAD4079 | $549K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $458K |
| Other Noninterest Income | RIADB497 | $352K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $346K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $313K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $192K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $96K |
| Interest on Other Securities | RIAD4060 | $65K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $19K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $5K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 48 |
Schedule RC-B: Securities (18 items)
About Schedule RC-B · Franklin State Bank & Trust Company securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Pledged Securities | RCON0416 | $37.2M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $32.2M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $32.1M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $32.0M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $20.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $19.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $15.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $10.9M |
| Fair Value of Held-to-maturity U.S. Treasury Securities | RCON0213 | $9.9M |
| Amortized Cost of Held-to-maturity U.S. Treasury Securities | RCON0211 | $9.7M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $8.0M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $8.0M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $6.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $6.9M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $2.9M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $2.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $111K |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $111K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · Franklin State Bank & Trust Company loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $126.1M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $60.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $50.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $39.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $36.5M |
| Real Estate Loans Secured by Farmland | RCON1420 | $26.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $17.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $16.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $13.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $9.8M |
| Commercial and Industrial Loans | RCON1766 | $8.5M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $7.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $4.6M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $4.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $3.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $3.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $3.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $2.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $2.6M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $2.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $1.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $793K |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $471K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $421K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $279K |
| Itemize Loans to Finance Agricultural Production and Other Loans to Farmers That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK168 | $198K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $198K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $198K |
| Other Loans | RCONJ464 | $35K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $6.4M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $5.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $4.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $3.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $3.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $3.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $2.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $1.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $1.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $951K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 207 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 116 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 86 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 46 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 23 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 20 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 18 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 18 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 10 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 10 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 6 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 5 |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · Franklin State Bank & Trust Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $115.7M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $94.5M |
| Total Transaction Accounts | RCON2215 | $84.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $70.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $54.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $49.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $44.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $39.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $31.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $29.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $24.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $22.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $21.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $19.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $14.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $12.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $10.3M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $7.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $5.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $4.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $3.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $364K |
Schedule RC-F: Other Assets (4 items)
Schedule RC-G: Other Liabilities (3 items)
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Franklin State Bank & Trust Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $227.8M |
| Quarterly Average of Total Loans | RCON3360 | $115.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $50.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $49.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $48.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $43.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $34.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $33.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $32.8M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $29.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $23.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $9.6M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $8.8M |
| All Other Securities | RCONB560 | $3.0M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Franklin State Bank & Trust Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $13.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $1.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.3M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $977K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $543K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · Franklin State Bank & Trust Company memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $1.5M |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $140K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (21 items)
About Schedule RC-N · Franklin State Bank & Trust Company past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $772K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $659K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $303K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $246K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $233K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $225K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 90 Days or More and Still Accruing | RCON3494 | $211K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $200K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $132K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $123K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $123K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $109K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $94K |
| Additions to Nonaccrual Assets | RCONC410 | $69K |
| All Other Loans - Nonaccrual | RCON5461 | $69K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $69K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual | RCON1583 | $69K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $19K |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $9K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $2K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Franklin State Bank & Trust Company other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $227.8M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $201.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $108.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $85.5M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $22.2M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $4.6M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 7,650 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 120 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 104 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 6 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Franklin State Bank & Trust Company regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (22 items)
About Schedule RC-R, Part I · Franklin State Bank & Trust Company regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $227.8M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $227.5M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $103.9M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $24.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $22.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $22.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $22.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $22.7M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $12.0M |
| Retained Earnings | RCOAKW00 | $10.8M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.3M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.3M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.3M |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | $356K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$127K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$127K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.232 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2195 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2195 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.152 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1003 |
Schedule RC-R, Part II: Risk-Weighted Assets (43 items)
About Schedule RC-R, Part II · Franklin State Bank & Trust Company risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $104.3M |
| Total Risk-weighted Assets | RCONG641 | $103.9M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $88.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $79.1M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $79.1M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $77.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $77.4M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $76.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $69.8M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $40.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $38.5M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $38.5M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $37.3M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $36.8M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $36.5M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $32.1M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $32.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $31.1M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $31.1M |
| Total Held-to-maturity Securities | RCOND961 | $20.6M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $19.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $18.6M |
| Unconditionally Cancellable Commitments | RCONS540 | $16.7M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $9.7M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $9.0M |
| Total All Other Assets | RCOND981 | $6.8M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $6.7M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $6.2M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $3.4M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $1.9M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$1.7M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $1.4M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $962K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $962K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $962K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $962K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $543K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $543K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $543K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $279K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$127K |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $111K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $104K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $22.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $21.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $21.2M |
| Other Comprehensive Income | RIADB511 | -$629K |
| Cash Dividends Declared on Common Stock | RIAD4460 | $281K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (11 items)
About Schedule RI-B, Part I · Franklin State Bank & Trust Company charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $226K |
| Charge-offs on All Other Loans | RIAD4644 | $101K |
| Charge-offs on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4655 | $101K |
| Charge-offs on Loans Secured by Farmland | RIAD3584 | $71K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $36K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $28K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $27K |
| Charge-offs on Automobile Loans | RIADK129 | $9K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $6K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $3K |
| Recoveries on Automobile Loans | RIADK133 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Franklin State Bank & Trust Company changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.8M |
| Allowance for Loan and Lease Losses | RIAD3123 | $1.6M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $226K |
Schedule RI-E: Explanations (17 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Bank Card and Credit Card Interchange Fees | RIADF555 | $227K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $172K |
| Data Processing Expenses | RIADC017 | $144K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $102K |
| Marketing and Other Professional Services | RIAD0497 | $76K |
| Telecommunications Expense | RIADF559 | $68K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $54K |
| Printing, Stationery, and Supplies | RIADC018 | $50K |
| Directors' Fees | RIAD4136 | $37K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $31K |
| Accounting and Auditing Expenses | RIADF556 | $29K |
| Legal Expense | RIAD4141 | $26K |
| Consulting and Advisory Expense | RIADF557 | $18K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $17K |
| Other Real Estate Owned Expenses | RIADY923 | $12K |
| Safe Deposit Box Rent | RIADC015 | $7K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $3K |
Franklin State Bank & Trust Company call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Franklin State Bank & Trust Company call report?
The Franklin State Bank & Trust Company call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Franklin State Bank & Trust Company file?
Franklin State Bank & Trust Company files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Franklin State Bank & Trust Company call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Franklin State Bank & Trust Company has Federal Reserve RSSD ID 1006652 and FDIC certificate number 11792. Either one finds its filings on the FFIEC Central Data Repository.
How often does Franklin State Bank & Trust Company file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Franklin State Bank & Trust Company financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 11792) · FFIEC NIC profile (RSSD 1006652)