Franklin, NH · Cert 17951 · Franklin Bcorp MHC
SI · FDIC · 9 branches
Q2 2026
Market Position · Manchester-Nashua, NH · 2026 SOD (annual) · 0.4% share · #17 of 24 inst. · $0.1B of $15.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.74% | 0.77% | 1.15% | 1.09% | +45 bps | |
| Return on Equity | 8.15% | 9.16% | 9.48% | 13.30% | 12.58% | +443 bps | |
| Net Interest Margin | 2.55% | 2.65% | 2.71% | 3.11% | 3.14% | +59 bps | |
| Efficiency Ratio | 74.34% | 72.01% | 70.60% | 61.13% | 61.91% | -1,243 bps | |
| Non-Interest Burden | 1.68% | 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 / Loans | 0.02% | 0.03% | 0.04% | 0.11% | 0.50% | +47 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.83% | 0.83% | 0.83% | 0.85% | 0.89% | +7 bps | |
| Allowance Coverage of NPLs | 38.4x | 24.8x | 19.5x | 7.5x | 1.8x | -36.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.16% | 9.26% | 9.34% | 9.53% | 9.75% | +60 bps | |
| Total Risk-Based Capital | 13.09% | 12.94% | 12.93% | 13.50% | 9.75% | -334 bps | |
| Equity / Assets | 7.81% | 8.35% | 8.48% | 8.80% | 8.83% | +103 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.96% | 93.54% | 92.97% | 94.62% | 94.33% | +137 bps | |
| Liquid Assets / Assets | 3.49% | 1.67% | 1.05% | 0.80% | 3.04% | -45 bps | |
| CRE / Total Capital | n/a | 528% | 547% | 516% | n/a | n/a | |