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Franklin Savings Bank

Farmington, ME · Cert 19836 · FSB Bcorp MHC

State charter, Fed member · FED · 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

89

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

40

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

Farmington, ME · Cert 19836 · FSB Bcorp MHC

State charter, Fed member · FED · 9 branches

Q2 2026

$786.9MAssets
$675.7MLoans
$601.1MDeposits
$141.2MEquity
Loan mix
92%RE $609.7M7%C&I $44.8M1%Consumer $9.5MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $464.8M23%Noninterest $136.3MQ2 2025Q2 2026

NIM

5.09%Q2 ’245.50%Q2 ’255.70%Q2 ’26+11%+11%

Non-interest income vs. expense

2.85%Q2 ’242.92%Q2 ’253.09%Q2 ’26+4%+5%

Executive Summary

  • Earnings: ROA of 0.99%, up 15 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 1.36% of loans (+5 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 18.79%, down 11 bps from a year ago.
  • Funding: loans stand at 112.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.16%+41 bps YoY

Efficiency Ratio (YTD, annualized)

69.01%-326 bps YoY

Tier 1 Leverage Ratio

18.79%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.85%0.72%0.95%0.99%+15 bps
Return on Equity4.82%4.89%4.12%5.28%5.50%+67 bps
Net Interest Margin3.75%3.75%3.82%4.14%4.16%+41 bps
Efficiency Ratio72.27%70.72%73.60%69.26%69.01%-326 bps
Non-Interest Burden2.63%2.56%2.72%2.74%2.76%+12 bps
Growth
Asset Growth (YoY)8.87%8.11%6.87%4.22%4.19%-468 bps
Loan Growth (YoY)10.31%8.23%6.79%6.29%5.06%-525 bps
Deposit Growth (YoY)18.79%12.66%11.80%3.39%2.31%-1,647 bps
Asset Quality
Nonperforming Loans / Loans1.31%1.35%1.57%1.32%1.36%+5 bps
Net Charge-Offs / Loans0.01%0.01%0.11%0.12%0.08%+7 bps
Allowance / Loans0.71%0.76%0.76%0.77%0.76%+6 bps
Allowance Coverage of NPLs0.5x0.6x0.5x0.6x0.6x0.0x
Capital
Tier 1 Leverage Ratio18.90%18.57%18.63%18.64%18.79%-11 bps
Total Risk-Based Capital23.05%23.05%22.76%23.07%22.85%-20 bps
Equity / Assets17.28%17.24%17.72%18.22%17.94%+67 bps
Liquidity & Funding
Loans / Deposits109.47%110.52%108.68%109.91%112.41%+294 bps
Liquid Assets / Assets2.35%2.44%2.09%0.59%2.03%-32 bps
CRE / Total Capitaln/a221%218%214%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

Farmington, ME · Cert 19836 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · FSB Bcorp MHC

State charter, Fed member · FED · 9 branches

Q2 2026

$786.9MAssets
$675.7MLoans
$601.1MDeposits
$141.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 93% of banks under $1B in assets operating in a single state (rank 53 of 746).
  • Widest gap: nonperforming loans / loans trails 81% of banks under $1B in assets operating in a single state (rank 604 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.97%

Rank 421 of 746

Net Interest Margin

4.16%

Rank 187 of 746

Efficiency Ratio

69.01%

Rank 449 of 746

Equity / Assets

17.94%

Rank 53 of 746

Non-interest income vs. expense

$2.5M$23.7MINCOMEEXPENSE
Unfavorable gap of $21.2M · efficiency ratio beats 40% of banks under $1B in assets operating in a single state
Bank 69.01%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.72%1.06%1.45%Beats 44%421 / 746
Return on Equity5.42%6.74%10.51%13.63%Beats 19%603 / 746
Net Interest Margin4.16%3.17%3.68%4.16%Beats 75%187 / 746
Efficiency Ratio69.01%55.74%64.58%75.47%Beats 40%449 / 746
Asset Quality
Nonperforming Loans / Loans1.36%0.09%0.42%1.07%Beats 19%604 / 743
Net Charge-Offs / Loans0.05%0.00%0.01%0.05%Beats 26%553 / 743
Capital
Tier 1 Capital Ratio22.03%11.55%13.75%17.60%Beats 87%97 / 746
Total Risk-Based Capital Ratio22.85%11.71%14.33%18.43%Beats 86%102 / 746
Equity / Assets17.94%8.90%10.51%13.06%Beats 93%53 / 746
Liquidity & Funding
Loans / Deposits112.41%61.31%78.27%90.78%97th pctl19 / 746
Loans / Assets85.87%53.60%66.97%76.08%96th pctl28 / 746
Brokered Deposits / Depositsn/aNot reported for this institution