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Franklin Savings Bank

Franklin, NH · Cert 17951 · Franklin Bcorp MHC

SI · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

58

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 Savings Bank

Franklin, NH · Cert 17951 · Franklin Bcorp MHC

SI · FDIC · 9 branches

Q2 2026

$931.4MAssets
$732.1MLoans
$776.1MDeposits
$82.3MEquity
Loan mix
95%RE $676.9M5%C&I $35.6M0%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $642.2M17%Noninterest $133.9MQ2 2025Q2 2026

NIM

4.09%Q2 ’244.41%Q2 ’254.86%Q2 ’26+13%+23%

Non-interest income vs. expense

2.55%Q2 ’242.51%Q2 ’252.47%Q2 ’26+1%-4%

Market Position · Manchester-Nashua, NH · 2026 SOD (annual) · 0.4% share · #17 of 24 inst. · $0.1B of $15.4B

6.7% Merrimack
6.4% Belknap
3.6% Grafton
0.4% Hillsborough

Executive Summary

  • Earnings: ROA of 1.09%, up 45 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.50% of loans (+47 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.75%, up 60 bps from a year ago.
  • Funding: loans stand at 94.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+59 bps YoY

Efficiency Ratio (YTD, annualized)

61.91%-1,243 bps YoY

Tier 1 Leverage Ratio

9.75%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.74%0.77%1.15%1.09%+45 bps
Return on Equity8.15%9.16%9.48%13.30%12.58%+443 bps
Net Interest Margin2.55%2.65%2.71%3.11%3.14%+59 bps
Efficiency Ratio74.34%72.01%70.60%61.13%61.91%-1,243 bps
Non-Interest Burden1.68%1.67%1.67%1.57%1.62%-6 bps
Growth
Asset Growth (YoY)11.70%10.05%11.59%6.00%2.88%-882 bps
Loan Growth (YoY)16.53%18.84%19.56%11.27%5.39%-1,114 bps
Deposit Growth (YoY)12.28%10.72%13.32%8.02%3.85%-842 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.03%0.04%0.11%0.50%+47 bps
Net Charge-Offs / Loans0.00%0.00%0.03%0.00%0.00%0 bps
Allowance / Loans0.83%0.83%0.83%0.85%0.89%+7 bps
Allowance Coverage of NPLs38.4x24.8x19.5x7.5x1.8x-36.6x
Capital
Tier 1 Leverage Ratio9.16%9.26%9.34%9.53%9.75%+60 bps
Total Risk-Based Capital13.09%12.94%12.93%13.50%9.75%-334 bps
Equity / Assets7.81%8.35%8.48%8.80%8.83%+103 bps
Liquidity & Funding
Loans / Deposits92.96%93.54%92.97%94.62%94.33%+137 bps
Liquid Assets / Assets3.49%1.67%1.05%0.80%3.04%-45 bps
CRE / Total Capitaln/a528%547%516%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 Savings Bank

Franklin, NH · Cert 17951 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Franklin Bcorp MHC

SI · FDIC · 9 branches

Q2 2026

$931.4MAssets
$732.1MLoans
$776.1MDeposits
$82.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 65% of banks under $1B in assets operating in a single state (rank 259 of 746).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets operating in a single state (rank 712 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.08%

Rank 363 of 746

Net Interest Margin

3.14%

Rank 570 of 746

Efficiency Ratio

61.91%

Rank 317 of 746

Equity / Assets

8.83%

Rank 570 of 746

Non-interest income vs. expense

$7.8M$22.9MINCOMEEXPENSE
Unfavorable gap of $15.0M · efficiency ratio beats 58% of banks under $1B in assets operating in a single state
Bank 61.91%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.08%0.72%1.06%1.45%Beats 51%363 / 746
Return on Equity12.23%6.74%10.51%13.63%Beats 65%259 / 746
Net Interest Margin3.14%3.17%3.68%4.16%Beats 24%570 / 746
Efficiency Ratio61.91%55.74%64.58%75.47%Beats 58%317 / 746
Asset Quality
Nonperforming Loans / Loans0.50%0.09%0.42%1.07%Beats 45%406 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 58%312 / 743
Capital
Tier 1 Capital Ratio9.75%11.55%13.75%17.60%Beats 5%711 / 746
Total Risk-Based Capital Ratio9.75%11.71%14.33%18.43%Beats 5%712 / 746
Equity / Assets8.83%8.90%10.51%13.06%Beats 24%570 / 746
Liquidity & Funding
Loans / Deposits94.33%61.31%78.27%90.78%82nd pctl131 / 746
Loans / Assets78.60%53.60%66.97%76.08%81st pctl141 / 746
Brokered Deposits / Depositsn/aNot reported for this institution