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
Unfavorable gap of $8.1M · efficiency ratio beats 31% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.72% | 1.06% | 1.45% | Beats 40% | 449 / 746 | |
| Return on Equity | 8.51% | 6.74% | 10.51% | 13.63% | Beats 38% | 466 / 746 | |
| Net Interest Margin | 4.00% | 3.17% | 3.68% | 4.16% | Beats 67% | 248 / 746 | |
| Efficiency Ratio | 72.31% | 55.74% | 64.58% | 75.47% | Beats 31% | 514 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.09% | 0.42% | 1.07% | Beats 61% | 292 / 743 | |
| Net Charge-Offs / Loans | 0.28% | 0.00% | 0.01% | 0.05% | Beats 6% | 701 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.88% | 11.55% | 13.75% | 17.60% | Beats 6% | 699 / 746 | |
| Total Risk-Based Capital Ratio | 9.88% | 11.71% | 14.33% | 18.43% | Beats 6% | 701 / 746 | |
| Equity / Assets | 10.82% | 8.90% | 10.51% | 13.06% | Beats 54% | 340 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 78.56% | 61.31% | 78.27% | 90.78% | 50th pctl | 370 / 746 | |
| Loans / Assets | 69.58% | 53.60% | 66.97% | 76.08% | 57th pctl | 324 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |