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Bank of Franklin

$100M-$1B Specialty: Commercial MS FDIC cert 10594

Designations: ✓ CDFI-certified

Meadville, MS

5 branches across MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
  • Deposits +22.2% year over year ($267.8M on the books).
  • Delinquency rate 0.27%.
  • Return on assets 0.96%.
  • Efficiency ratio 72.31% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.62% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MS
View $100M-$1B leaderboard (MS) →

Bank of Franklin has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.50% above tier average
  • + Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 42.0% in tier
  • - Margin Compression: Bottom 51.1% in tier
  • - Efficiency Ratio 7.84% above tier average
Get updates when Bank of Franklin releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $302.3M
+21.2% YoY -0.3% QoQ
-$84.2M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
46%
Total Loans ? $207.9M
+17.9% YoY +2.7% QoQ
-$50.5M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $267.8M
+22.2% YoY -0.7% QoQ
-$58.9M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
48%
Return on Assets ? 0.96%
-29.0% YoY +23.3% QoQ
-0.36% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
31%
Net Interest Margin ? 4.48%
-5.6% YoY +1.6% QoQ
+0.50% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 72.31%
+11.2% YoY -8.4% QoQ
+7.84% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
25%
Delinquency Rate ? 0.27%
-74.0% YoY -55.7% QoQ
-0.65% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 77.62%
-3.5% YoY +3.4% QoQ
-0.33% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
54%
Non-Interest-Bearing Deposit Share ? 20.15%
-18.6% YoY -4.6% QoQ
-1.88% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
46%
Nonperforming Asset Ratio ? 0.83%
-50.2% YoY -7.9% QoQ
+0.17% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
25%
Tier 1 Capital Ratio ? 9.88%
-18.8% YoY -9.3% QoQ
-6.03% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
Bottom 9.1% in tier
Non-Interest Income / Assets ? 0.34%
-6.9% YoY +126.5% QoQ
-0.23% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
78%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Noninterest-Bearing 20.2%
-4.6pp YoY
-1.0pp QoQ
 -2.0pp 22.1% 23.1% 22.2% 46%
Brokered Deposits 1.9%
-0.6pp YoY
-0.1pp QoQ
 -6.0pp 7.9% 3.8% 8.5% 29%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I 9.0%
-1.9pp YoY
-0.2pp QoQ
 -2.5pp 11.6% 12.4% 12.5% 46%
CRE 37.7%
-2.8pp YoY
-0.5pp QoQ
 -1.8pp 39.5% 42.3% 41.4% 48%
1-4 Family 36.1%
+2.7pp YoY
+0.2pp QoQ
 +3.4pp 32.6% 33.1% 31.3% 64%
Consumer 4.9%
+0.1pp YoY
+0.2pp QoQ
 +0.8pp 4.1% 5.6% 5.0% 77%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 9.9%
-2.3pp YoY
-1.0pp QoQ
 -2.3pp 12.2% 11.9% 12.6% 28%
Total Capital Ratio n/a n/a 19.9% 17.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 61
+8 (+15.1%) YoY
0 QoQ
 +2 58 297 482 64%
Assets per Employee ($) $5.0M
+5.3% YoY
-0.3% QoQ
 -$2.6M $7.5M $6.2M $8.8M 14%
Branch Count 5
0 YoY
0 QoQ
 0 4 22 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 8%
Nonaccrual 0.9%
-0.8pp YoY
-0.3pp QoQ
 0.0pp 0.9% 0.9% 1.0% 70%
Allowance Coverage 4.45x
+234.7% YoY
+114.6% QoQ
 -19.71x 24.15x 4.87x 20.23x 68%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
+0.1pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 87%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 8.7%
-3.2pp YoY
+1.7pp QoQ
 -3.5pp 12.2% 11.7% 11.6% 29%
Cost of Funds (YTD) 2.0%
0.0pp YoY
+0.1pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 70%
Net Income ($, YTD) $1.4M
-15.6% YoY
— QoQ
 -$1.2M $2.6M $13.8M $40.4M 39%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

NIB Deposit Bleed

decline
#69 of 162 • Bottom 42.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 20.15%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Margin Compression

decline
#158 of 307 • Bottom 51.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.96%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

552
Net Interest Margin
profitability
Value: 4.48%
Peer Median: 3.99%
#552 of 2643 Top 20.8% in $100M-$1B
591
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#591 of 2643 Top 22.3% in $100M-$1B

Top Weaknesses (1 metrics)

2404
Tier 1 Capital Ratio
capital
Value: 9.88%
Peer Median: 15.91%
#2404 of 2643 Bottom 9.1% in $100M-$1B
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