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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 ’245.86%Q2 ’255.91%Q2 ’26+7%+9%

Non-interest income vs. expense

2.24%Q2 ’242.21%Q2 ’252.35%Q2 ’26-7%+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 1.53%, up 19 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 1.08% of loans (+78 bps YoY), with net charge-offs at 0.26%.
  • 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 (quarter, annualized)

1.53%+19 bps YoY

Net Interest Margin (quarter, annualized)

3.87%+31 bps YoY

Efficiency Ratio (quarter, annualized)

51.24%-153 bps YoY

Tier 1 Leverage Ratio

13.48%+37 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.46%1.52%1.60%1.53%+19 bps
Return on Equity10.52%11.25%11.82%12.36%11.58%+106 bps
Net Interest Margin3.57%3.76%3.89%3.76%3.87%+31 bps
Efficiency Ratio52.77%51.79%52.48%51.68%51.24%-153 bps
Non-Interest Burden1.58%1.64%1.67%1.57%1.64%+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 / Loans0.24%0.22%0.20%0.05%0.26%+2 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