Franklin State Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Franklin State Bank & Trust Company of Winnsboro, LA 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 | 1.74% | 1.35% | +0.39% | 75th top |
| ROAE | 17.71% | 12.05% | +5.66% | 79th top |
| Net Interest Margin | 4.39% | 3.90% | +0.49% | 75th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.89% | 63.15% | -0.26% | 45th below |
| PPNR / Avg Assets | 1.74% | 1.64% | +0.10% | 59th above |
| Yield on Earning Assets | 5.97% | 5.65% | +0.32% | 67th above |
| Cost of Funds | 1.70% | 1.85% | -0.15% | 56th above |
| Net Interest Spread | 3.59% | 3.35% | +0.24% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.68% | 0.92% | -0.24% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.44% | 0.67% | -0.23% | 41st below |
| NCO / Avg Loans | 0.58% | 0.14% | +0.44% | 5th bottom |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 59th above |
| ACL / NPLs (Coverage) | 187.98% | 1645.76% | -1457.78% | 46th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.35% | 7.15% | -1.80% | 39th below |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.95% | 20.83% | +1.12% | 82nd top |
| Tier 1 Ratio | 21.95% | 20.86% | +1.09% | 82nd top |
| Total Capital Ratio | 23.20% | 21.93% | +1.27% | 83rd top |
| Leverage Ratio | 10.03% | 12.46% | -2.43% | 33rd below |
| Equity / Assets | 10.09% | 11.67% | -1.58% | 46th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.09% | 11.40% | -1.31% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.99% | 78.65% | -15.66% | 80th top |
| Core Deposit Ratio | 75.10% | 87.10% | -12.00% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.75% | 6.48% | -4.73% | 31st below |
| Loan Growth (Y/Y) | 2.38% | 7.64% | -5.26% | 33rd below |
| Deposit Growth (Y/Y) | 2.14% | 6.02% | -3.88% | 36th below |
See Franklin State Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Franklin State Bank & Trust Company, 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 State Bank & Trust Company profile, how to read a UBPR, or how this data updates.