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Franklin Bank

Pilesgrove, NJ · Cert 30402

SI · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

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 in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

32

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 Bank

Pilesgrove, NJ · Cert 30402

SI · FDIC · 7 branches

Q2 2026

$334.1MAssets
$214.8MLoans
$301.3MDeposits
$30.8MEquity
Loan mix
96%RE $202.8M3%C&I $6.7M1%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $260.1M14%Noninterest $41.2MQ2 2025Q2 2026

NIM

4.07%Q2 ’244.21%Q2 ’254.34%Q2 ’26-4%+8%

Non-interest income vs. expense

2.98%Q2 ’243.17%Q2 ’253.17%Q2 ’26+8%0%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #47 of 88 inst. · $0.3B of $685.1B

14.3% Salem
0.9% Gloucester
0.7% Cape May

Executive Summary

  • Earnings: ROA of 0.68%, up 28 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.15% of loans (+3 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.28%, up 24 bps from a year ago.
  • Funding: loans stand at 71.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+28 bps YoY

Efficiency Ratio (YTD, annualized)

78.55%-589 bps YoY

Tier 1 Leverage Ratio

10.28%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.42%0.45%0.55%0.68%+28 bps
Return on Equity4.79%5.01%5.28%6.19%7.50%+271 bps
Net Interest Margin3.30%3.36%3.34%3.47%3.58%+28 bps
Efficiency Ratio84.44%83.92%83.24%80.36%78.55%-589 bps
Non-Interest Burden2.72%2.74%2.70%2.70%2.71%0 bps
Growth
Asset Growth (YoY)2.58%3.15%4.06%3.25%2.64%+6 bps
Loan Growth (YoY)6.61%5.12%2.92%2.79%2.14%-448 bps
Deposit Growth (YoY)1.63%2.91%2.93%2.64%1.88%+25 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.11%0.19%0.13%0.15%+3 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%0.02%+2 bps
Allowance / Loans0.87%0.88%0.87%0.86%0.81%-6 bps
Allowance Coverage of NPLs7.7x7.7x4.5x6.4x5.5x-2.2x
Capital
Tier 1 Leverage Ratio10.04%10.14%10.01%10.11%10.28%+24 bps
Total Risk-Based Capital17.95%18.10%18.19%18.35%18.26%+31 bps
Equity / Assets8.57%8.79%8.88%8.93%9.21%+63 bps
Liquidity & Funding
Loans / Deposits71.09%70.75%69.97%69.17%71.27%+18 bps
Liquid Assets / Assets11.85%14.04%16.49%18.33%15.66%+381 bps
CRE / Total Capitaln/a209%211%215%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 Bank

Pilesgrove, NJ · Cert 30402 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

SI · FDIC · 7 branches

Q2 2026

$334.1MAssets
$214.8MLoans
$301.3MDeposits
$30.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 68% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 10 of 31).
  • Widest gap: net charge-offs / loans trails 78% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 22 of 27).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.68%

Rank 22 of 31

Net Interest Margin

3.58%

Rank 10 of 31

Efficiency Ratio

78.55%

Rank 22 of 31

Equity / Assets

9.21%

Rank 24 of 31

Non-interest income vs. expense

$1.5M$10.7MINCOMEEXPENSE
Unfavorable gap of $9.1M · efficiency ratio beats 32% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 78.55%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.63%0.93%2.39%Beats 29%22 / 31
Return on Equity7.36%4.15%7.07%14.29%Beats 55%14 / 31
Net Interest Margin3.58%2.72%3.26%3.84%Beats 68%10 / 31
Efficiency Ratio78.55%49.04%63.83%80.34%Beats 32%22 / 31
Asset Quality
Nonperforming Loans / Loans0.15%0.00%0.24%1.22%Beats 59%12 / 27
Net Charge-Offs / Loans0.01%n/an/a0.01%Beats 22%22 / 27
Capital
Tier 1 Capital Ratio17.38%13.01%19.43%42.39%Beats 39%19 / 31
Total Risk-Based Capital Ratio18.26%13.95%20.55%43.38%Beats 42%18 / 31
Equity / Assets9.21%9.21%12.36%21.28%Beats 23%24 / 31
Liquidity & Funding
Loans / Deposits71.27%52.41%83.15%99.86%35th pctl20 / 31
Loans / Assets64.29%37.80%67.87%79.23%42nd pctl18 / 31
Brokered Deposits / Depositsn/aNot reported for this institution