Franklin State Bank & Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 8.5% higher than in Q1 2026, at $10.8M. Franklin State Bank & Trust Company ranks 15th of 46 Louisiana banks on CET1 ratio, in the upper half at 21.95% (Q2 2026). Franklin State Bank & Trust Company reported 21.95% on CET1 ratio for Q2 2026, 6.87 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.95% |
| Tier 1 risk-based capital ratio | 21.95% |
| Total risk-based capital ratio | 23.20% |
| Tier 1 leverage ratio | 10.03% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $22.8M |
| Tier 1 capital | $22.8M |
| Total risk-based capital | $24.1M |
| Total equity capital | $22.7M |
| Risk-weighted assets | $103.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.09% |
| Tangible equity to tangible assets | 10.09% |
| Equity capital to average assets | 9.96% |
| Internal capital growth rate | 15.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $11.4M |
| Retained earnings | $10.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$127K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 24.86% | 24.86% | 26.12% | 12.66% | $105.8M |
| Q4 2023 | 22.65% | 22.65% | 23.90% | 10.56% | $98.0M |
| Q1 2024 | 20.42% | 20.42% | 21.67% | 9.79% | $100.0M |
| Q2 2024 | 19.74% | 19.74% | 20.99% | 10.26% | $107.7M |
| Q3 2024 | 21.68% | 21.68% | 22.93% | 10.75% | $101.7M |
| Q4 2024 | 22.14% | 22.14% | 23.40% | 9.98% | $94.8M |
| Q1 2025 | 22.56% | 22.56% | 23.82% | 10.16% | $97.9M |
| Q2 2025 | 22.14% | 22.14% | 23.39% | 10.50% | $103.1M |
| Q3 2025 | 23.14% | 23.14% | 24.39% | 10.70% | $102.5M |
| Q4 2025 | 22.02% | 22.02% | 23.28% | 9.16% | $94.2M |
| Q1 2026 | 22.33% | 22.33% | 23.58% | 9.60% | $98.3M |
| Q2 2026 | 21.95% | 21.95% | 23.20% | 10.03% | $103.9M |
Franklin State Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin State Bank & Trust Company, freeSource: Call Report Schedule RC-R, 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 State Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11792) · FFIEC NIC profile (RSSD 1006652)