Meadville, MS · Cert 10594 · Franklin Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.63% | 1.24% | 1.47% | 1.40% | 1.21% | 0.78% | 1.11% | -36 bps | |
| Return on Equity | 12.43% | 14.61% | 10.96% | 12.68% | 11.86% | 10.03% | 6.98% | 10.41% | -227 bps | |
| Net Interest Margin | 4.27% | 4.39% | 4.37% | 4.32% | 4.52% | 4.20% | 4.37% | 4.16% | -16 bps | |
| Efficiency Ratio | 61.21% | 58.08% | 66.60% | 63.55% | 62.95% | 63.94% | 78.94% | 66.33% | +278 bps | |
| Non-Interest Burden | 2.28% | 2.03% | 2.68% | 2.46% | 2.62% | 2.35% | 3.25% | 2.47% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.56% | 5.94% | 6.20% | 7.08% | 7.99% | 10.90% | 24.39% | 21.16% | +1,408 bps | |
| Loan Growth (YoY) | 6.36% | 7.27% | 7.24% | 12.27% | 13.74% | 13.60% | 20.01% | 17.69% | +542 bps | |
| Deposit Growth (YoY) | 1.64% | 3.80% | 4.37% | 5.55% | 2.32% | 3.09% | 25.82% | 22.17% | +1,662 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.11% | 1.24% | 1.09% | 1.03% | 1.12% | 1.18% | 0.60% | 0.27% | -76 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.04% | 0.07% | 0.35% | 0.06% | 0.07% | 0.13% | 0.31% | -3 bps | |
| Allowance / Loans | 1.50% | 1.53% | 1.54% | 1.36% | 1.33% | 1.35% | 1.25% | 1.19% | -18 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 1.4x | 1.3x | 1.2x | 1.1x | 2.1x | 4.4x | +3.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.44% | 11.78% | 12.08% | 12.18% | 12.35% | 12.43% | 10.89% | 9.88% | -229 bps | |
| Total Risk-Based Capital | 11.44% | 11.78% | 12.08% | 12.18% | 12.35% | 12.43% | 10.89% | 9.88% | -229 bps | |
| Equity / Assets | 11.16% | 11.12% | 11.54% | 11.58% | 12.11% | 12.01% | 10.50% | 10.82% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.48% | 81.51% | 79.67% | 81.54% | 87.24% | 89.83% | 75.99% | 78.56% | -299 bps | |
| Liquid Assets / Assets | 2.38% | 0.55% | 2.91% | 0.88% | 0.78% | 2.20% | 9.56% | 8.15% | +728 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 240% | 234% | 271% | n/a | n/a | |