BlastPoint's Banking Scorecard
Franklin State Bank & Trust Company
Designations: ✓ CDFI-certified
Winnsboro, LA
4 branches across LA
Franklin State Bank & Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 44.3% in tier
- + Net Interest Margin 0.92% above tier average
- + Efficiency Ratio 11.18% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.52% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$227.2M
+4.3% YoY
-3.2% QoQ
|
-$158.9M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$114.5M
+3.1% YoY
+7.2% QoQ
|
-$141.2M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$203.8M
+4.8% YoY
-3.8% QoQ
|
-$124.2M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
35% |
| Return on Assets ? |
2.34%
+4.4% YoY
+43.2% QoQ
|
+1.07% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
Top 6.5% in tier |
| Net Interest Margin ? |
4.85%
-1.4% YoY
+6.1% QoQ
|
+0.92% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Top 9.8% in tier |
| Efficiency Ratio ? |
54.11%
-4.5% YoY
-15.1% QoQ
|
-11.18% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
76% |
| Delinquency Rate ? |
1.41%
+238.5% YoY
+19.1% QoQ
|
+0.52% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
56.20%
-1.6% YoY
+11.4% QoQ
|
-20.43% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
Top 14.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.48%
-9.1% YoY
+7.9% QoQ
|
+6.46% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.77%
+163.2% YoY
+28.8% QoQ
|
+0.14% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
27% |
| Tier 1 Capital Ratio ? |
22.33%
-1.0% YoY
+1.4% QoQ
|
+6.50% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Top 9.5% in tier |
| Non-Interest Income / Assets ? |
0.13%
-3.1% YoY
-69.4% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
67% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.