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Franklin State Bank & Trust Company

$100M-$1B Specialty: Agricultural LA FDIC cert 11792

Designations: ✓ CDFI-certified

Winnsboro, LA

4 branches across LA

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 73 in LA.
  • Deposits +2.1% year over year ($200.2M on the books).
  • Delinquency rate 0.77%.
  • Return on assets 2.05%.
  • Efficiency ratio 58.29% vs a 64.48% peer average.
  • Loan-to-deposit ratio 62.19% 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 73 in LA
View $100M-$1B leaderboard (LA) →

Franklin State Bank & Trust Company has 4 strengths but faces 1 concern

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

  • + ROA 0.72% above tier average
  • + Net Interest Margin 0.69% above tier average
  • + Efficiency Ratio 6.19% below tier average
  • + Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 34.6% in tier
Get updates when Franklin State Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $224.7M
+1.7% YoY -1.1% QoQ
-$161.9M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
32%
Total Loans ? $124.5M
+2.4% YoY +8.7% QoQ
-$133.8M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $200.2M
+2.1% YoY -1.7% QoQ
-$126.5M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 2.05%
+6.2% YoY -12.6% QoQ
+0.72% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
Top 12.3% in tier
Net Interest Margin ? 4.68%
+0.2% YoY -3.5% QoQ
+0.69% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Top 14.9% in tier
Efficiency Ratio ? 58.29%
-3.7% YoY +7.7% QoQ
-6.19% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 0.77%
+247.8% YoY -45.0% QoQ
-0.15% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
35%
Loan-to-Deposit Ratio ? 62.19%
+0.3% YoY +10.6% QoQ
-15.76% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
80%
Non-Interest-Bearing Deposit Share ? 27.15%
-3.5% YoY -4.7% QoQ
+5.12% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 0.49%
+93.7% YoY -36.6% QoQ
-0.18% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
40%
Tier 1 Capital Ratio ? 21.95%
-0.9% YoY -1.7% QoQ
+6.04% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
Top 10.6% in tier
Non-Interest Income / Assets ? 0.24%
+4.6% YoY +88.9% QoQ
-0.32% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
62%

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 (LA) National Avg Tier Percentile
Noninterest-Bearing 27.1%
-1.0pp YoY
-1.3pp QoQ
 +5.0pp 22.1% 24.6% 22.2% 73%
Brokered Deposits n/a n/a 7.9% 6.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 6.8%
-0.4pp YoY
-0.8pp QoQ
 -4.8pp 11.6% 12.6% 12.5% 31%
CRE n/a n/a 39.5% 44.9% 41.4% n/a
1-4 Family 29.5%
+4.8pp YoY
-0.2pp QoQ
 -3.1pp 32.6% 34.2% 31.3% 50%
Consumer 7.7%
-0.7pp YoY
-0.6pp QoQ
 +3.5pp 4.1% 4.2% 5.0% 87%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 21.9%
-0.2pp YoY
-0.4pp QoQ
 +3.1pp 18.8% 22.5% 19.7% 83%
Leverage Ratio 10.0%
-0.5pp YoY
+0.4pp QoQ
 -2.1pp 12.2% 13.4% 12.6% 32%
Total Capital Ratio 23.2%
-0.2pp YoY
-0.4pp QoQ
 +3.3pp 19.9% 23.6% 20.8% 83%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 48
-1 (-2.0%) YoY
0 QoQ
 -11 58 114 482 50%
Assets per Employee ($) $4.7M
+3.9% YoY
-1.1% QoQ
 -$2.8M $7.5M $6.8M $8.8M 10%
Branch Count 4
0 YoY
0 QoQ
 -1 4 9 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
-0.3pp QoQ
 -0.1pp 0.3% 0.4% 0.4% 70%
Nonaccrual 0.5%
+0.5pp YoY
-0.4pp QoQ
 -0.4pp 0.9% 1.4% 1.0% 54%
Allowance Coverage 1.67x
-72.4% YoY
+51.5% QoQ
 -22.48x 24.15x 27.36x 20.23x 43%
Net Charge-off Rate (YTD) 0.3%
+0.3pp YoY
+0.2pp QoQ
 +0.2pp 0.1% 0.1% 0.2% 91%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 21.3%
+2.0pp YoY
-3.7pp QoQ
 +9.1pp 12.2% 12.5% 11.6% 91%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 44%
Net Income ($, YTD) $2.3M
+10.6% YoY
— QoQ
 -$214K $2.6M $5.1M $40.4M 59%

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 (1)

Credit Risk Growth

risk
#325 of 936 • Bottom 34.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

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 (4 metrics)

280
Tier 1 Capital Ratio
capital
Value: 21.95%
Peer Median: 15.91%
#280 of 2643 Top 10.6% in $100M-$1B
326
Return on Assets
profitability
Value: 2.05%
Peer Median: 1.32%
#326 of 2643 Top 12.3% in $100M-$1B
394
Net Interest Margin
profitability
Value: 4.68%
Peer Median: 3.99%
#394 of 2643 Top 14.9% in $100M-$1B
527
Loan-to-Deposit Ratio
liquidity
Value: 62.19%
Peer Median: 77.95%
#527 of 2643 Top 19.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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