Franklin State Bank & Trust Company
Winnsboro, LA · Cert 11792 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 92 of 755).
- Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets operating in a single state (rank 682 of 751).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.64%
Rank 130 of 755
Net Interest Margin
4.45%
Rank 108 of 755
Efficiency Ratio
58.29%
Rank 242 of 755
Equity / Assets
10.09%
Rank 433 of 755
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 68% 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 | 1.64% | 0.72% | 1.06% | 1.45% | Beats 83% | 130 / 755 | |
| Return on Equity | 16.21% | 6.66% | 10.44% | 13.61% | Beats 88% | 92 / 755 | |
| Net Interest Margin | 4.45% | 3.15% | 3.68% | 4.17% | Beats 86% | 108 / 755 | |
| Efficiency Ratio | 58.29% | 55.75% | 64.78% | 75.61% | Beats 68% | 242 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.76% | 0.09% | 0.42% | 1.05% | Beats 34% | 499 / 751 | |
| Net Charge-Offs / Loans | 0.18% | 0.00% | 0.01% | 0.05% | Beats 9% | 682 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 21.95% | 11.56% | 13.81% | 17.74% | Beats 86% | 105 / 755 | |
| Total Risk-Based Capital Ratio | 23.20% | 11.72% | 14.46% | 18.53% | Beats 87% | 101 / 755 | |
| Equity / Assets | 10.09% | 8.93% | 10.56% | 13.13% | Beats 43% | 433 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 62.99% | 62.43% | 78.62% | 91.00% | 25th pctl | 564 / 755 | |
| Loans / Assets | 56.14% | 54.70% | 67.27% | 76.55% | 28th pctl | 543 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |