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
Unfavorable gap of $21.2M · efficiency ratio beats 40% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.72% | 1.06% | 1.45% | Beats 44% | 421 / 746 | | |
| Return on Equity | 5.42% | 6.74% | 10.51% | 13.63% | Beats 19% | 603 / 746 | | |
| Net Interest Margin | 4.16% | 3.17% | 3.68% | 4.16% | Beats 75% | 187 / 746 | | |
| Efficiency Ratio | 69.01% | 55.74% | 64.58% | 75.47% | Beats 40% | 449 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.36% | 0.09% | 0.42% | 1.07% | Beats 19% | 604 / 743 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 26% | 553 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 22.03% | 11.55% | 13.75% | 17.60% | Beats 87% | 97 / 746 | | |
| Total Risk-Based Capital Ratio | 22.85% | 11.71% | 14.33% | 18.43% | Beats 86% | 102 / 746 | | |
| Equity / Assets | 17.94% | 8.90% | 10.51% | 13.06% | Beats 93% | 53 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 112.41% | 61.31% | 78.27% | 90.78% | 97th pctl | 19 / 746 | | |
| Loans / Assets | 85.87% | 53.60% | 66.97% | 76.08% | 96th pctl | 28 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |