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
Unfavorable gap of $12.7M · efficiency ratio beats 81% of banks under $1B in assets in KY | 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 |