Franklin, KY · Cert 17937 · Franklin Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
56
Asset Quality
22
Profitability
62
Liquidity
0
Efficiency
81
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.
Franklin, KY · Cert 17937 · Franklin Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Bowling Green, KY · 2026 SOD (annual) · 4.7% share · #10 of 22 inst. · $0.2B of $4.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.32% | 1.23% | 1.29% | 1.34% | 1.39% | 1.60% | 1.57% | +27 bps | |
| Return on Equity | 10.23% | 11.14% | 9.83% | 10.18% | 10.53% | 10.87% | 12.36% | 11.96% | +179 bps | |
| Net Interest Margin | 3.41% | 3.49% | 3.51% | 3.55% | 3.60% | 3.63% | 3.76% | 3.80% | +25 bps | |
| Efficiency Ratio | 57.34% | 54.83% | 56.08% | 54.41% | 53.49% | 53.22% | 51.68% | 51.46% | -295 bps | |
| Non-Interest Burden | 1.71% | 1.61% | 1.72% | 1.66% | 1.64% | 1.63% | 1.57% | 1.60% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.00% | -1.64% | -4.14% | 0.76% | 5.77% | 6.27% | 4.75% | 7.03% | +627 bps | |
| Loan Growth (YoY) | -1.58% | -1.72% | -1.77% | -0.09% | 4.33% | 7.09% | 7.59% | 7.90% | +799 bps | |
| Deposit Growth (YoY) | -5.75% | -4.02% | -3.83% | 2.03% | 8.15% | 5.82% | 1.68% | 3.01% | +98 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.36% | 0.33% | 0.32% | 0.30% | 0.43% | 0.55% | 0.82% | 1.08% | +78 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.08% | 0.19% | 0.21% | 0.21% | 0.20% | 0.05% | 0.15% | -6 bps | |
| Allowance / Loans | 1.01% | 0.98% | 1.00% | 1.00% | 0.97% | 0.92% | 0.93% | 0.93% | -7 bps | |
| Allowance Coverage of NPLs | 0.7x | 2.9x | 3.1x | 3.3x | 2.2x | 1.7x | 1.1x | 0.9x | -2.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.57% | 12.94% | 12.77% | 13.11% | 13.31% | 13.40% | 13.26% | 13.48% | +37 bps | |
| Total Risk-Based Capital | 12.57% | 12.94% | 12.77% | 13.11% | 13.31% | 13.40% | 13.26% | 13.48% | +37 bps | |
| Equity / Assets | 12.53% | 12.50% | 12.52% | 13.03% | 12.91% | 12.80% | 13.08% | 13.36% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.08% | 107.64% | 98.67% | 101.17% | 100.40% | 108.93% | 104.39% | 105.98% | +480 bps | |
| Liquid Assets / Assets | 6.02% | 5.79% | 9.34% | 7.35% | 8.03% | 5.75% | 7.40% | 7.14% | -22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 324% | 341% | 345% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.56% | 0.83% | 1.18% | 1.44% | Beats 81% | 13 / 69 | ||
| Return on Equity | 11.70% | 7.64% | 11.70% | 15.70% | Beats 49% | 35 / 69 | ||
| Net Interest Margin | 3.80% | 3.45% | 3.75% | 3.96% | Beats 57% | 30 / 69 | ||
| Efficiency Ratio | 51.46% | 55.32% | 62.99% | 70.80% | Beats 81% | 14 / 69 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.08% | 0.18% | 0.52% | 1.14% | Beats 28% | 51 / 69 | ||
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.02% | 0.06% | Beats 16% | 59 / 69 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.48% | 11.33% | 13.58% | 16.27% | Beats 46% | 37 / 69 | ||
| Total Risk-Based Capital Ratio | 13.48% | 11.55% | 14.43% | 17.27% | Beats 43% | 39 / 69 | ||
| Equity / Assets | 13.36% | 8.31% | 9.91% | 12.53% | Beats 78% | 15 / 69 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 105.98% | 71.40% | 81.07% | 88.03% | 91st pctl | 6 / 69 | ||
| Loans / Assets | 85.82% | 61.10% | 68.66% | 76.68% | 91st pctl | 6 / 69 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||