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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

$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

6.07%Q2 ’245.87%Q2 ’255.76%Q2 ’26-4%+0%

Non-interest income vs. expense

2.95%Q2 ’243.01%Q2 ’252.95%Q2 ’26+3%-4%

Executive Summary

  • Earnings: ROA of 1.38%, up 10 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.76% of loans (+54 bps YoY), with net charge-offs at 0.53%.
  • 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 (quarter, annualized)

1.38%+10 bps YoY

Net Interest Margin (quarter, annualized)

4.24%+1 bps YoY

Efficiency Ratio (quarter, annualized)

62.89%-191 bps YoY

Tier 1 Leverage Ratio

10.03%-47 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.44%0.71%1.84%1.38%+10 bps
Return on Equity12.39%13.58%7.15%19.62%13.90%+151 bps
Net Interest Margin4.23%4.37%4.16%4.64%4.24%+1 bps
Efficiency Ratio64.81%61.12%72.98%54.11%62.89%-191 bps
Non-Interest Burden2.59%2.49%2.92%2.27%2.50%-10 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%0.10%0.00%0.11%0.53%+49 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