Franklin State Bank & Trust Company
Winnsboro, LA · Cert 11792 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · 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 752).
- Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets operating in a single state (rank 680 of 748).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.64%
Rank 128 of 752
Net Interest Margin
4.45%
Rank 112 of 752
Efficiency Ratio
58.29%
Rank 245 of 752
Equity / Assets
10.09%
Rank 428 of 752
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.72% | 1.07% | 1.45% | Beats 83% | 128 / 752 | | |
| Return on Equity | 16.21% | 6.78% | 10.58% | 13.65% | Beats 88% | 90 / 752 | | |
| Net Interest Margin | 4.45% | 3.18% | 3.69% | 4.17% | Beats 85% | 112 / 752 | | |
| Efficiency Ratio | 58.29% | 55.75% | 64.49% | 75.47% | Beats 68% | 245 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.76% | 0.09% | 0.42% | 1.03% | Beats 34% | 497 / 748 | | |
| Net Charge-Offs / Loans | 0.18% | 0.00% | 0.01% | 0.05% | Beats 9% | 680 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 21.95% | 11.55% | 13.75% | 17.60% | Beats 86% | 102 / 752 | | |
| Total Risk-Based Capital Ratio | 23.20% | 11.70% | 14.33% | 18.47% | Beats 87% | 98 / 752 | | |
| Equity / Assets | 10.09% | 8.93% | 10.56% | 13.13% | Beats 43% | 428 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.99% | 62.23% | 78.64% | 91.26% | 26th pctl | 558 / 752 | | |
| Loans / Assets | 56.14% | 54.61% | 67.41% | 76.47% | 28th pctl | 539 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |