PackageTrendsPeer
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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 75thStandingRank8-Qtr TrendPeer 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