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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 $9.5MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $464.8M23%Noninterest $136.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.64%0.76%0.84%0.85%0.72%0.95%0.99%+15 bps
Return on Equity4.08%3.58%4.33%4.82%4.89%4.12%5.28%5.50%+67 bps
Net Interest Margin3.35%3.36%3.65%3.75%3.75%3.82%4.14%4.16%+41 bps
Efficiency Ratio74.55%76.88%74.64%72.27%70.72%73.60%69.26%69.01%-326 bps
Non-Interest Burden2.43%2.51%2.65%2.63%2.56%2.72%2.74%2.76%+12 bps
Growth
Asset Growth (YoY)12.03%10.05%8.35%8.87%8.11%6.87%4.22%4.19%-468 bps
Loan Growth (YoY)16.03%13.54%11.25%10.31%8.23%6.79%6.29%5.06%-525 bps
Deposit Growth (YoY)8.65%12.67%16.91%18.79%12.66%11.80%3.39%2.31%-1,647 bps
Asset Quality
Nonperforming Loans / Loans1.00%0.92%1.05%1.31%1.35%1.57%1.32%1.36%+5 bps
Net Charge-Offs / Loans0.01%0.06%0.02%0.01%0.01%0.11%0.12%0.08%+7 bps
Allowance / Loans0.73%0.72%0.71%0.71%0.76%0.76%0.77%0.76%+6 bps
Allowance Coverage of NPLs0.7x0.8x0.7x0.5x0.6x0.5x0.6x0.6x0.0x
Capital
Tier 1 Leverage Ratio19.33%18.99%18.72%18.90%18.57%18.63%18.64%18.79%-11 bps
Total Risk-Based Capital23.94%23.40%23.61%23.05%23.05%22.76%23.07%22.85%-20 bps
Equity / Assets17.63%17.41%17.53%17.28%17.24%17.72%18.22%17.94%+67 bps
Liquidity & Funding
Loans / Deposits115.04%113.77%106.91%109.47%110.52%108.68%109.91%112.41%+294 bps
Liquid Assets / Assets1.57%1.70%2.13%2.35%2.44%2.09%0.59%2.03%-32 bps
CRE / Total Capitaln/an/an/an/a221%218%214%n/an/a