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Franklin Bank & Trust Company

Franklin, KY · Cert 17937 · Franklin Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

81

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Franklin Bank & Trust Company

Franklin, KY · Cert 17937 · Franklin Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$803.6MAssets
$689.6MLoans
$650.7MDeposits
$107.4MEquity
Loan mix
84%RE $567.5M16%C&I $108.4M0%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $525.1M19%Noninterest $125.6MQ2 2025Q2 2026

NIM

5.64%Q2 ’245.84%Q2 ’255.84%Q2 ’26+8%+7%

Non-interest income vs. expense

2.22%Q2 ’242.26%Q2 ’252.33%Q2 ’26-1%-3%

Market Position · Bowling Green, KY · 2026 SOD (annual) · 4.7% share · #10 of 22 inst. · $0.2B of $4.8B

67.3% Simpson
5.7% Warren

Executive Summary

  • Earnings: ROA of 1.57%, up 27 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 1.08% of loans (+78 bps YoY), with net charge-offs at 0.15%.
  • Capital: tier 1 leverage ratio of 13.48%, up 37 bps from a year ago.
  • Funding: loans stand at 105.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.57%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+25 bps YoY

Efficiency Ratio (YTD, annualized)

51.46%-295 bps YoY

Tier 1 Leverage Ratio

13.48%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.34%1.39%1.60%1.57%+27 bps
Return on Equity10.18%10.53%10.87%12.36%11.96%+179 bps
Net Interest Margin3.55%3.60%3.63%3.76%3.80%+25 bps
Efficiency Ratio54.41%53.49%53.22%51.68%51.46%-295 bps
Non-Interest Burden1.66%1.64%1.63%1.57%1.60%-6 bps
Growth
Asset Growth (YoY)0.76%5.77%6.27%4.75%7.03%+627 bps
Loan Growth (YoY)-0.09%4.33%7.09%7.59%7.90%+799 bps
Deposit Growth (YoY)2.03%8.15%5.82%1.68%3.01%+98 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.43%0.55%0.82%1.08%+78 bps
Net Charge-Offs / Loans0.21%0.21%0.20%0.05%0.15%-6 bps
Allowance / Loans1.00%0.97%0.92%0.93%0.93%-7 bps
Allowance Coverage of NPLs3.3x2.2x1.7x1.1x0.9x-2.5x
Capital
Tier 1 Leverage Ratio13.11%13.31%13.40%13.26%13.48%+37 bps
Total Risk-Based Capital13.11%13.31%13.40%13.26%13.48%+37 bps
Equity / Assets13.03%12.91%12.80%13.08%13.36%+33 bps
Liquidity & Funding
Loans / Deposits101.17%100.40%108.93%104.39%105.98%+480 bps
Liquid Assets / Assets7.35%8.03%5.75%7.40%7.14%-22 bps
CRE / Total Capitaln/a324%341%345%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Franklin Bank & Trust Company

Franklin, KY · Cert 17937 · Peer group: banks under $1B in assets in KY (n=69) · Franklin Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$803.6MAssets
$689.6MLoans
$650.7MDeposits
$107.4MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 81% of banks under $1B in assets in KY (rank 13 of 69).
  • Widest gap: net charge-offs / loans trails 84% of banks under $1B in assets in KY (rank 59 of 69).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.56%

Rank 13 of 69

Net Interest Margin

3.80%

Rank 30 of 69

Efficiency Ratio

51.46%

Rank 14 of 69

Equity / Assets

13.36%

Rank 15 of 69

Non-interest income vs. expense

$5.8M$18.6MINCOMEEXPENSE
Unfavorable gap of $12.7M · efficiency ratio beats 81% of banks under $1B in assets in KY
Bank 51.46%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.56%0.83%1.18%1.44%Beats 81%13 / 69
Return on Equity11.70%7.64%11.70%15.70%Beats 49%35 / 69
Net Interest Margin3.80%3.45%3.75%3.96%Beats 57%30 / 69
Efficiency Ratio51.46%55.32%62.99%70.80%Beats 81%14 / 69
Asset Quality
Nonperforming Loans / Loans1.08%0.18%0.52%1.14%Beats 28%51 / 69
Net Charge-Offs / Loans0.09%0.01%0.02%0.06%Beats 16%59 / 69
Capital
Tier 1 Capital Ratio13.48%11.33%13.58%16.27%Beats 46%37 / 69
Total Risk-Based Capital Ratio13.48%11.55%14.43%17.27%Beats 43%39 / 69
Equity / Assets13.36%8.31%9.91%12.53%Beats 78%15 / 69
Liquidity & Funding
Loans / Deposits105.98%71.40%81.07%88.03%91st pctl6 / 69
Loans / Assets85.82%61.10%68.66%76.68%91st pctl6 / 69
Brokered Deposits / Depositsn/aNot reported for this institution