Washington, MO · Cert 35543 · Franklin Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
45
Profitability
46
Liquidity
13
Efficiency
27
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.
Washington, MO · Cert 35543 · Franklin Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.3% share · #50 of 111 inst. · $0.4B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.42% | 0.43% | 0.54% | 0.61% | 0.65% | 0.72% | 0.74% | +20 bps | |
| Return on Equity | 4.18% | 5.40% | 5.40% | 6.79% | 7.54% | 7.85% | 8.10% | 8.34% | +156 bps | |
| Net Interest Margin | 2.60% | 2.66% | 3.10% | 3.21% | 3.31% | 3.36% | 3.39% | 3.48% | +27 bps | |
| Efficiency Ratio | 84.06% | 80.20% | 81.14% | 77.94% | 76.10% | 75.52% | 74.05% | 73.87% | -407 bps | |
| Non-Interest Burden | 2.11% | 2.04% | 2.44% | 2.42% | 2.42% | 2.44% | 2.34% | 2.43% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.46% | 8.08% | 4.17% | 0.52% | -1.62% | -3.61% | -1.43% | 0.01% | -51 bps | |
| Loan Growth (YoY) | 13.39% | 8.99% | 3.05% | -0.20% | -0.58% | -1.06% | 1.72% | 1.94% | +214 bps | |
| Deposit Growth (YoY) | 7.11% | 7.68% | 4.67% | 0.46% | -1.70% | -2.95% | -0.67% | 2.62% | +216 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.10% | 0.03% | 0.03% | 0.28% | 0.14% | 0.35% | 0.27% | +24 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.06% | 0.00% | -0.02% | -0.01% | -0.01% | 0.00% | 0.21% | +23 bps | |
| Allowance / Loans | 1.06% | 1.09% | 1.14% | 1.17% | 1.17% | 1.22% | 1.24% | 1.16% | -1 bps | |
| Allowance Coverage of NPLs | 3.3x | 10.5x | 45.2x | 46.7x | 4.3x | 8.7x | 3.5x | 4.3x | -42.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.62% | 8.71% | 8.83% | 8.96% | 9.26% | 9.41% | 9.54% | 9.53% | +57 bps | |
| Total Risk-Based Capital | 10.93% | 11.19% | 11.38% | 11.38% | 9.26% | 11.58% | 9.54% | 9.53% | -185 bps | |
| Equity / Assets | 7.82% | 7.76% | 8.02% | 8.20% | 8.63% | 8.94% | 8.87% | 8.89% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.95% | 96.33% | 95.95% | 97.35% | 100.07% | 98.21% | 98.26% | 96.70% | -65 bps | |
| Liquid Assets / Assets | 0.66% | 3.59% | 2.75% | 2.25% | 0.81% | 1.00% | 1.45% | 2.01% | -25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 388% | 390% | 388% | n/a | n/a | |
Washington, MO · Cert 35543 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Franklin Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
0.73%
Rank 28 of 40
Net Interest Margin
3.48%
Rank 11 of 40
Efficiency Ratio
73.87%
Rank 30 of 40
Equity / Assets
8.89%
Rank 27 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.73% | 0.64% | 1.04% | 1.26% | Beats 30% | 28 / 40 | ||
| Return on Equity | 8.26% | 6.25% | 9.97% | 13.41% | Beats 35% | 26 / 40 | ||
| Net Interest Margin | 3.48% | 3.09% | 3.22% | 3.62% | Beats 73% | 11 / 40 | ||
| Efficiency Ratio | 73.87% | 57.08% | 64.37% | 75.86% | Beats 27% | 30 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.14% | 0.62% | 1.92% | Beats 68% | 13 / 38 | ||
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.09% | Beats 21% | 31 / 38 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.53% | 10.29% | 12.88% | 15.77% | Beats 8% | 37 / 40 | ||
| Total Risk-Based Capital Ratio | 9.53% | 10.64% | 13.30% | 17.01% | Beats 5% | 38 / 40 | ||
| Equity / Assets | 8.89% | 8.59% | 9.46% | 12.46% | Beats 33% | 27 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.70% | 66.12% | 79.48% | 94.60% | 83rd pctl | 7 / 40 | ||
| Loans / Assets | 82.43% | 54.69% | 68.52% | 77.46% | 88th pctl | 5 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||