Franklin State Bank
Franklin, MN · Cert 16778 · Peer group: banks under $1B in assets in MN (n=122-124)
FDIC · 1 branch
Q1 2025
$44.5MAssets
$23.8MLoans
$38.6MDeposits
$5.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 71 of 122).
- Widest gap: efficiency ratio trails 99% of banks under $1B in assets in MN (rank 124 of 124).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
-0.74%
Rank 123 of 124
Net Interest Margin
2.97%
Rank 100 of 124
Efficiency Ratio
129.55%
Rank 124 of 124
Equity / Assets
12.65%
Rank 21 of 124
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 1% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.74% | 0.63% | 0.94% | 1.29% | Beats 1% | 123 / 124 | |
| Return on Equity | -5.83% | 6.93% | 10.21% | 12.87% | Beats 2% | 122 / 124 | |
| Net Interest Margin | 2.97% | 3.04% | 3.52% | 3.97% | Beats 19% | 100 / 124 | |
| Efficiency Ratio | 129.55% | 57.88% | 65.92% | 75.89% | Beats 1% | 124 / 124 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.01% | 0.33% | 1.20% | Beats 72% | 35 / 122 | |
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.01% | Beats 100% | 71 / 122 | |
| Capital |
| Tier 1 Capital Ratio | 12.85% | 11.38% | 13.15% | 17.74% | Beats 48% | 65 / 124 | |
| Total Risk-Based Capital Ratio | 12.85% | 11.99% | 13.93% | 18.89% | Beats 35% | 80 / 124 | |
| Equity / Assets | 12.65% | 7.96% | 9.56% | 11.71% | Beats 83% | 21 / 124 | |
| Liquidity & Funding |
| Loans / Deposits | 61.60% | 60.74% | 74.69% | 88.04% | 26th pctl | 90 / 122 | |
| Loans / Assets | 53.37% | 53.37% | 65.91% | 77.15% | 25th pctl | 92 / 122 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |