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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.69% | 0.43% | 0.66% | 0.76% | 0.76% | 0.72% | 0.76% | +10 bps | |
| Return on Equity | 5.18% | 8.87% | 5.40% | 8.12% | 9.03% | 8.70% | 8.10% | 8.58% | +46 bps | |
| Net Interest Margin | 2.79% | 2.92% | 3.10% | 3.30% | 3.41% | 3.47% | 3.39% | 3.61% | +31 bps | |
| Efficiency Ratio | 79.81% | 69.95% | 81.14% | 74.88% | 72.67% | 73.83% | 74.05% | 73.69% | -119 bps | |
| Non-Interest Burden | 2.12% | 1.90% | 2.44% | 2.38% | 2.35% | 2.46% | 2.34% | 2.55% | +16 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 | -0.02% | 0.12% | 0.00% | -0.04% | 0.00% | 0.00% | 0.00% | 0.42% | +46 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 | |