Franklin State Bank & Trust Company: 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.
Reserve coverage of non-performing loans climbed 45.32 percentage points in Q2 2026, from 142.66% to 187.98%. It was the largest change from Q1 2026 among the key lines here. Franklin State Bank & Trust Company ranks 23rd of 103 Louisiana banks on return on assets, in the upper half at 1.74% (Q2 2026). Franklin State Bank & Trust Company reported 1.74% on return on assets for Q2 2026, 0.48 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.95% |
| Tier 1 risk-based capital ratio | 21.95% |
| Total risk-based capital ratio | 23.20% |
| Tier 1 leverage ratio | 10.03% |
| Equity capital to assets | 10.09% |
| Tangible equity to tangible assets | 10.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.68% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | 0.58% |
| Texas ratio | 5.35% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 187.98% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.74% |
| Return on equity | 17.71% |
| Net interest margin | 4.39% |
| Efficiency ratio | 62.89% |
| Yield on earning assets | 5.97% |
| Cost of funds | 1.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.99% |
| Core deposits to total deposits | 75.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.12% |
| Securities to assets | 23.44% |
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 | 24.86% | 24.86% | 26.12% | 12.66% | 2.02% |
| Q4 2023 | 22.65% | 22.65% | 23.90% | 10.56% | 1.37% |
| Q1 2024 | 20.42% | 20.42% | 21.67% | 9.79% | 2.66% |
| Q2 2024 | 19.74% | 19.74% | 20.99% | 10.26% | 1.90% |
| Q3 2024 | 21.68% | 21.68% | 22.93% | 10.75% | 1.80% |
| Q4 2024 | 22.14% | 22.14% | 23.40% | 9.98% | 0.79% |
| Q1 2025 | 22.56% | 22.56% | 23.82% | 10.16% | 2.26% |
| Q2 2025 | 22.14% | 22.14% | 23.39% | 10.50% | 1.63% |
| Q3 2025 | 23.14% | 23.14% | 24.39% | 10.70% | 1.84% |
| Q4 2025 | 22.02% | 22.02% | 23.28% | 9.16% | 0.91% |
| Q1 2026 | 22.33% | 22.33% | 23.58% | 9.60% | 2.36% |
| Q2 2026 | 21.95% | 21.95% | 23.20% | 10.03% | 1.74% |
Franklin State Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin State Bank & Trust Company, 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 State Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11792) · FFIEC NIC profile (RSSD 1006652)