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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

4.23%Q2 ’244.31%Q2 ’254.45%Q2 ’26-4%+8%

Non-interest income vs. expense

2.95%Q2 ’243.16%Q2 ’253.20%Q2 ’26+9%+1%

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 0.80%, up 34 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.15% of loans (+3 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

0.80%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.69%+27 bps YoY

Efficiency Ratio (quarter, annualized)

76.85%-444 bps YoY

Tier 1 Leverage Ratio

10.28%+24 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.47%0.53%0.55%0.80%+34 bps
Return on Equity5.45%5.43%6.02%6.19%8.79%+335 bps
Net Interest Margin3.42%3.49%3.53%3.47%3.69%+27 bps
Efficiency Ratio81.29%82.93%81.35%80.36%76.85%-444 bps
Non-Interest Burden2.70%2.81%2.79%2.70%2.73%+3 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%0.03%0.05%0.00%0 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