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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