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
Unfavorable gap of $15.0M · efficiency ratio beats 58% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.72% | 1.06% | 1.45% | Beats 51% | 363 / 746 | |
| Return on Equity | 12.23% | 6.74% | 10.51% | 13.63% | Beats 65% | 259 / 746 | |
| Net Interest Margin | 3.14% | 3.17% | 3.68% | 4.16% | Beats 24% | 570 / 746 | |
| Efficiency Ratio | 61.91% | 55.74% | 64.58% | 75.47% | Beats 58% | 317 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.09% | 0.42% | 1.07% | Beats 45% | 406 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 58% | 312 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.75% | 11.55% | 13.75% | 17.60% | Beats 5% | 711 / 746 | |
| Total Risk-Based Capital Ratio | 9.75% | 11.71% | 14.33% | 18.43% | Beats 5% | 712 / 746 | |
| Equity / Assets | 8.83% | 8.90% | 10.51% | 13.06% | Beats 24% | 570 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 94.33% | 61.31% | 78.27% | 90.78% | 82nd pctl | 131 / 746 | |
| Loans / Assets | 78.60% | 53.60% | 66.97% | 76.08% | 81st pctl | 141 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |