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Franklin State Bank & Trust Company

Winnsboro, LA · Cert 11792 · Franklin Bcorp Inc.

State charter, non-member · FDIC · 4 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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

67

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

Franklin State Bank & Trust Company

Winnsboro, LA · Cert 11792 · Franklin Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$224.7MAssets
$126.1MLoans
$200.2MDeposits
$22.7MEquity
Loan mix
79%RE $68.2M10%C&I $8.6M11%Consumer $9.5MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $145.9M27%Noninterest $54.4MQ2 2025Q2 2026

NIM

6.33%Q2 ’246.06%Q2 ’255.98%Q2 ’26-7%0%

Non-interest income vs. expense

2.96%Q2 ’242.98%Q2 ’252.87%Q2 ’26+1%-5%

Executive Summary

  • Earnings: ROA of 1.61%, up 9 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.76% of loans (+54 bps YoY), with net charge-offs at 0.31%.
  • Capital: tier 1 leverage ratio of 10.03%, down 47 bps from a year ago.
  • Funding: loans stand at 62.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.61%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.45%0 bps YoY

Efficiency Ratio (YTD, annualized)

58.29%-221 bps YoY

Tier 1 Leverage Ratio

10.03%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.49%1.29%1.84%1.61%+9 bps
Return on Equity15.17%14.60%12.94%19.62%16.71%+155 bps
Net Interest Margin4.45%4.37%4.24%4.64%4.45%0 bps
Efficiency Ratio60.50%60.71%63.70%54.11%58.29%-221 bps
Non-Interest Burden2.50%2.47%2.54%2.27%2.39%-11 bps
Growth
Asset Growth (YoY)7.48%7.78%6.61%4.25%1.75%-573 bps
Loan Growth (YoY)0.53%6.36%6.44%3.18%2.38%+185 bps
Deposit Growth (YoY)7.17%7.54%7.02%4.77%2.14%-503 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.86%1.16%1.38%0.76%+54 bps
Net Charge-Offs / Loans0.04%0.06%0.05%0.11%0.31%+27 bps
Allowance / Loans1.33%1.36%1.67%1.53%1.28%-5 bps
Allowance Coverage of NPLs6.1x1.6x1.4x1.1x1.7x-4.4x
Capital
Tier 1 Leverage Ratio10.50%10.70%9.16%9.60%10.03%-47 bps
Total Risk-Based Capital23.39%24.39%23.28%23.58%23.20%-19 bps
Equity / Assets10.43%10.84%9.06%9.70%10.09%-34 bps
Liquidity & Funding
Loans / Deposits62.85%60.69%51.29%57.08%62.99%+14 bps
Liquid Assets / Assets30.16%28.41%37.11%31.28%24.64%-552 bps
CRE / Total Capitaln/a20.98%25.24%27.21%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

Franklin State Bank & Trust Company

Winnsboro, LA · Cert 11792 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Franklin Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$224.7MAssets
$126.1MLoans
$200.2MDeposits
$22.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 88% of banks under $1B in assets operating in a single state (rank 90 of 746).
  • Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets operating in a single state (rank 676 of 743).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.64%

Rank 126 of 746

Net Interest Margin

4.45%

Rank 107 of 746

Efficiency Ratio

58.29%

Rank 246 of 746

Equity / Assets

10.09%

Rank 413 of 746

Non-interest income vs. expense

$1.1M$6.5MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 67% of banks under $1B in assets operating in a single state
Bank 58.29%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.64%0.72%1.06%1.45%Beats 83%126 / 746
Return on Equity16.21%6.74%10.51%13.63%Beats 88%90 / 746
Net Interest Margin4.45%3.17%3.68%4.16%Beats 86%107 / 746
Efficiency Ratio58.29%55.74%64.58%75.47%Beats 67%246 / 746
Asset Quality
Nonperforming Loans / Loans0.76%0.09%0.42%1.07%Beats 34%492 / 743
Net Charge-Offs / Loans0.18%0.00%0.01%0.05%Beats 9%676 / 743
Capital
Tier 1 Capital Ratio21.95%11.55%13.75%17.60%Beats 86%101 / 746
Total Risk-Based Capital Ratio23.20%11.71%14.33%18.43%Beats 87%96 / 746
Equity / Assets10.09%8.90%10.51%13.06%Beats 45%413 / 746
Liquidity & Funding
Loans / Deposits62.99%61.31%78.27%90.78%27th pctl547 / 746
Loans / Assets56.14%53.60%66.97%76.08%29th pctl527 / 746
Brokered Deposits / Depositsn/aNot reported for this institution