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Bank of Franklin County

Washington, MO · Cert 35543 · Franklin Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$419.4MAssets
$345.7MLoans
$357.5MDeposits
$37.3MEquity
Loan mix
74%RE $253.3M25%C&I $84.0M1%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $295.6M17%Noninterest $61.9MQ2 2025Q2 2026

NIM

4.99%Q2 ’245.47%Q2 ’255.45%Q2 ’26+26%+8%

Non-interest income vs. expense

2.56%Q2 ’242.78%Q2 ’252.96%Q2 ’26+13%+0%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.3% share · #50 of 111 inst. · $0.4B of $141.7B

8.4% Franklin
0.2% St. Charles
0.0% St. Louis

Executive Summary

  • Earnings: ROA of 0.74%, up 20 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.27% of loans (+24 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 9.53%, up 57 bps from a year ago.
  • Funding: loans stand at 96.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+27 bps YoY

Efficiency Ratio (YTD, annualized)

73.87%-407 bps YoY

Tier 1 Leverage Ratio

9.53%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.61%0.65%0.72%0.74%+20 bps
Return on Equity6.79%7.54%7.85%8.10%8.34%+156 bps
Net Interest Margin3.21%3.31%3.36%3.39%3.48%+27 bps
Efficiency Ratio77.94%76.10%75.52%74.05%73.87%-407 bps
Non-Interest Burden2.42%2.42%2.44%2.34%2.43%+1 bps
Growth
Asset Growth (YoY)0.52%-1.62%-3.61%-1.43%0.01%-51 bps
Loan Growth (YoY)-0.20%-0.58%-1.06%1.72%1.94%+214 bps
Deposit Growth (YoY)0.46%-1.70%-2.95%-0.67%2.62%+216 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.28%0.14%0.35%0.27%+24 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.01%0.00%0.21%+23 bps
Allowance / Loans1.17%1.17%1.22%1.24%1.16%-1 bps
Allowance Coverage of NPLs46.7x4.3x8.7x3.5x4.3x-42.4x
Capital
Tier 1 Leverage Ratio8.96%9.26%9.41%9.54%9.53%+57 bps
Total Risk-Based Capital11.38%9.26%11.58%9.54%9.53%-185 bps
Equity / Assets8.20%8.63%8.94%8.87%8.89%+69 bps
Liquidity & Funding
Loans / Deposits97.35%100.07%98.21%98.26%96.70%-65 bps
Liquid Assets / Assets2.25%0.81%1.00%1.45%2.01%-25 bps
CRE / Total Capitaln/a388%390%388%n/an/a