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Bank of Franklin

Meadville, MS · Cert 10594 · Franklin Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

31

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Franklin

Meadville, MS · Cert 10594 · Franklin Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$302.3MAssets
$210.4MLoans
$267.8MDeposits
$32.7MEquity
Loan mix
86%RE $172.0M9%C&I $18.6M5%Consumer $9.6MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $213.8M20%Noninterest $54.0MQ2 2025Q2 2026

NIM

6.07%Q2 ’246.12%Q2 ’255.71%Q2 ’26+3%-7%

Non-interest income vs. expense

3.07%Q2 ’243.27%Q2 ’253.34%Q2 ’26+13%+5%

Executive Summary

  • Earnings: ROA of 0.96%, down 39 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.27% of loans (-76 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 9.88%, down 229 bps from a year ago.
  • Funding: loans stand at 78.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%-39 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-30 bps YoY

Efficiency Ratio (YTD, annualized)

72.31%+726 bps YoY

Tier 1 Leverage Ratio

9.88%-229 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.38%1.33%0.78%0.96%-39 bps
Return on Equity11.88%11.86%11.39%6.98%8.70%-318 bps
Net Interest Margin4.30%4.33%4.23%4.37%4.00%-30 bps
Efficiency Ratio65.05%64.33%64.23%78.94%72.31%+726 bps
Non-Interest Burden2.54%2.54%2.46%3.25%2.67%+13 bps
Growth
Asset Growth (YoY)7.08%7.99%10.90%24.39%21.16%+1,408 bps
Loan Growth (YoY)12.27%13.74%13.60%20.01%17.69%+542 bps
Deposit Growth (YoY)5.55%2.32%3.09%25.82%22.17%+1,662 bps
Asset Quality
Nonperforming Loans / Loans1.03%1.12%1.18%0.60%0.27%-76 bps
Net Charge-Offs / Loans0.21%0.15%0.13%0.13%0.22%+2 bps
Allowance / Loans1.36%1.33%1.35%1.25%1.19%-18 bps
Allowance Coverage of NPLs1.3x1.2x1.1x2.1x4.4x+3.1x
Capital
Tier 1 Leverage Ratio12.18%12.35%12.43%10.89%9.88%-229 bps
Total Risk-Based Capital12.18%12.35%12.43%10.89%9.88%-229 bps
Equity / Assets11.58%12.11%12.01%10.50%10.82%-76 bps
Liquidity & Funding
Loans / Deposits81.54%87.24%89.83%75.99%78.56%-299 bps
Liquid Assets / Assets0.88%0.78%2.20%9.56%8.15%+728 bps
CRE / Total Capitaln/a240%234%271%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Franklin

Meadville, MS · Cert 10594 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Franklin Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$302.3MAssets
$210.4MLoans
$267.8MDeposits
$32.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 67% of banks under $1B in assets operating in a single state (rank 248 of 746).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets operating in a single state (rank 701 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.92%

Rank 449 of 746

Net Interest Margin

4.00%

Rank 248 of 746

Efficiency Ratio

72.31%

Rank 514 of 746

Equity / Assets

10.82%

Rank 340 of 746

Non-interest income vs. expense

$2.0M$10.1MINCOMEEXPENSE
Unfavorable gap of $8.1M · efficiency ratio beats 31% of banks under $1B in assets operating in a single state
Bank 72.31%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.92%0.72%1.06%1.45%Beats 40%449 / 746
Return on Equity8.51%6.74%10.51%13.63%Beats 38%466 / 746
Net Interest Margin4.00%3.17%3.68%4.16%Beats 67%248 / 746
Efficiency Ratio72.31%55.74%64.58%75.47%Beats 31%514 / 746
Asset Quality
Nonperforming Loans / Loans0.27%0.09%0.42%1.07%Beats 61%292 / 743
Net Charge-Offs / Loans0.28%0.00%0.01%0.05%Beats 6%701 / 743
Capital
Tier 1 Capital Ratio9.88%11.55%13.75%17.60%Beats 6%699 / 746
Total Risk-Based Capital Ratio9.88%11.71%14.33%18.43%Beats 6%701 / 746
Equity / Assets10.82%8.90%10.51%13.06%Beats 54%340 / 746
Liquidity & Funding
Loans / Deposits78.56%61.31%78.27%90.78%50th pctl370 / 746
Loans / Assets69.58%53.60%66.97%76.08%57th pctl324 / 746
Brokered Deposits / Depositsn/aNot reported for this institution