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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.73% | 1.23% | 1.34% | 1.46% | 1.52% | 1.60% | 1.53% | +19 bps | |
| Return on Equity | 10.55% | 13.79% | 9.83% | 10.52% | 11.25% | 11.82% | 12.36% | 11.58% | +106 bps | |
| Net Interest Margin | 3.41% | 3.68% | 3.51% | 3.57% | 3.76% | 3.89% | 3.76% | 3.87% | +31 bps | |
| Efficiency Ratio | 56.59% | 48.38% | 56.08% | 52.77% | 51.79% | 52.48% | 51.68% | 51.24% | -153 bps | |
| Non-Interest Burden | 1.68% | 1.28% | 1.72% | 1.58% | 1.64% | 1.67% | 1.57% | 1.64% | +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 | 0.01% | 0.10% | 0.19% | 0.24% | 0.22% | 0.20% | 0.05% | 0.26% | +2 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 | |