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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 $1.3MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $642.2M17%Noninterest $133.9MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.49%0.57%0.65%0.74%0.77%1.15%1.09%+45 bps
Return on Equity6.44%6.12%7.10%8.15%9.16%9.48%13.30%12.58%+443 bps
Net Interest Margin2.26%2.30%2.50%2.55%2.65%2.71%3.11%3.14%+59 bps
Efficiency Ratio80.46%80.31%77.10%74.34%72.01%70.60%61.13%61.91%-1,243 bps
Non-Interest Burden1.65%1.67%1.73%1.68%1.67%1.67%1.57%1.62%-6 bps
Growth
Asset Growth (YoY)5.89%4.57%7.82%11.70%10.05%11.59%6.00%2.88%-882 bps
Loan Growth (YoY)6.25%6.57%12.01%16.53%18.84%19.56%11.27%5.39%-1,114 bps
Deposit Growth (YoY)0.23%4.96%7.97%12.28%10.72%13.32%8.02%3.85%-842 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.02%0.02%0.03%0.04%0.11%0.50%+47 bps
Net Charge-Offs / Loans-0.03%-0.02%0.00%0.00%0.00%0.03%0.00%0.00%0 bps
Allowance / Loans0.85%0.84%0.83%0.83%0.83%0.83%0.85%0.89%+7 bps
Allowance Coverage of NPLs83.6x86.8x36.0x38.4x24.8x19.5x7.5x1.8x-36.6x
Capital
Tier 1 Leverage Ratio9.41%9.48%9.41%9.16%9.26%9.34%9.53%9.75%+60 bps
Total Risk-Based Capital14.55%14.15%13.52%13.09%12.94%12.93%13.50%9.75%-334 bps
Equity / Assets8.28%8.00%8.05%7.81%8.35%8.48%8.80%8.83%+103 bps
Liquidity & Funding
Loans / Deposits87.15%88.12%91.86%92.96%93.54%92.97%94.62%94.33%+137 bps
Liquid Assets / Assets3.39%1.18%1.12%3.49%1.67%1.05%0.80%3.04%-45 bps
CRE / Total Capitaln/an/an/an/a528%547%516%n/an/a