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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 $9.5MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $145.9M27%Noninterest $54.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.38%1.76%1.51%1.49%1.29%1.84%1.61%+9 bps
Return on Equity16.53%14.03%18.06%15.17%14.60%12.94%19.62%16.71%+155 bps
Net Interest Margin4.69%4.43%4.68%4.45%4.37%4.24%4.64%4.45%0 bps
Efficiency Ratio58.48%62.44%56.66%60.50%60.71%63.70%54.11%58.29%-221 bps
Non-Interest Burden2.54%2.57%2.42%2.50%2.47%2.54%2.27%2.39%-11 bps
Growth
Asset Growth (YoY)-1.01%1.15%3.64%7.48%7.78%6.61%4.25%1.75%-573 bps
Loan Growth (YoY)-2.69%-1.68%1.30%0.53%6.36%6.44%3.18%2.38%+185 bps
Deposit Growth (YoY)0.32%1.47%2.80%7.17%7.54%7.02%4.77%2.14%-503 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.27%0.41%0.22%0.86%1.16%1.38%0.76%+54 bps
Net Charge-Offs / Loans0.09%0.10%0.05%0.04%0.06%0.05%0.11%0.31%+27 bps
Allowance / Loans1.37%1.68%1.47%1.33%1.36%1.67%1.53%1.28%-5 bps
Allowance Coverage of NPLs6.8x6.3x3.6x6.1x1.6x1.4x1.1x1.7x-4.4x
Capital
Tier 1 Leverage Ratio10.75%9.98%10.16%10.50%10.70%9.16%9.60%10.03%-47 bps
Total Risk-Based Capital22.93%23.40%23.82%23.39%24.39%23.28%23.58%23.20%-19 bps
Equity / Assets10.59%9.40%10.13%10.43%10.84%9.06%9.70%10.09%-34 bps
Liquidity & Funding
Loans / Deposits61.36%51.57%57.96%62.85%60.69%51.29%57.08%62.99%+14 bps
Liquid Assets / Assets30.94%37.90%33.06%30.16%28.41%37.11%31.28%24.64%-552 bps
CRE / Total Capitaln/an/an/an/a20.98%25.24%27.21%n/an/a