BlastPoint's Banking Scorecard
Bank of Franklin
Designations: ✓ CDFI-certified
Meadville, MS
6 branches across MS
Bank of Franklin has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.48% above tier average
- + Delinquency Rate 0.28% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 34.8% in tier
- - Efficiency Ratio 13.65% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$303.3M
+24.4% YoY
+16.2% QoQ
|
-$82.8M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$202.4M
+20.4% YoY
+7.4% QoQ
|
-$53.3M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
49% |
| Total Deposits ? |
$269.7M
+25.8% YoY
+26.8% QoQ
|
-$58.3M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
0.78%
-37.1% YoY
-41.3% QoQ
|
-0.49% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
4.41%
-7.2% YoY
-6.9% QoQ
|
+0.48% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
78.94%
+18.5% YoY
+22.9% QoQ
|
+13.65% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
0.61%
-45.0% YoY
-49.2% QoQ
|
-0.28% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
75.04%
-4.3% YoY
-15.3% QoQ
|
-1.60% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
21.13%
-9.2% YoY
+5.0% QoQ
|
-0.89% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.91%
-41.7% YoY
-43.7% QoQ
|
+0.27% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
10.89%
-9.8% YoY
-12.3% QoQ
|
-4.94% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.15%
-12.8% YoY
-79.3% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
73% |
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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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.