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Letter portraitLegal landscape

Bank of Franklin County

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

$419.4MAssets
$345.7MLoans
$357.5MDeposits
$37.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 73% of banks under $1B in assets in the St. Louis, MO-IL area (rank 11 of 40).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in the St. Louis, MO-IL area (rank 38 of 40).
  • Overall: at or above the peer median on 2 of 9 directional measures.

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

Non-interest income vs. expense

$2.2M$12.5MINCOMEEXPENSE
Unfavorable gap of $10.2M · efficiency ratio beats 27% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 73.87%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.73%0.64%1.04%1.26%Beats 30%28 / 40
Return on Equity8.26%6.25%9.97%13.41%Beats 35%26 / 40
Net Interest Margin3.48%3.09%3.22%3.62%Beats 73%11 / 40
Efficiency Ratio73.87%57.08%64.37%75.86%Beats 27%30 / 40
Asset Quality
Nonperforming Loans / Loans0.27%0.14%0.62%1.92%Beats 68%13 / 38
Net Charge-Offs / Loans0.11%0.00%0.01%0.09%Beats 21%31 / 38
Capital
Tier 1 Capital Ratio9.53%10.29%12.88%15.77%Beats 8%37 / 40
Total Risk-Based Capital Ratio9.53%10.64%13.30%17.01%Beats 5%38 / 40
Equity / Assets8.89%8.59%9.46%12.46%Beats 33%27 / 40
Liquidity & Funding
Loans / Deposits96.70%66.12%79.48%94.60%83rd pctl7 / 40
Loans / Assets82.43%54.69%68.52%77.46%88th pctl5 / 40
Brokered Deposits / Depositsn/aNot reported for this institution