BlastPoint's Banking Scorecard
Franklin Bank & Trust Company
Franklin, KY
5 branches across KY
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 88 in KY.
- Deposits +3.0% year over year ($650.7M on the books).
- Delinquency rate 1.09%.
- Return on assets 1.57%.
- Efficiency ratio 51.46% vs a 64.48% peer average.
- Loan-to-deposit ratio 104.99% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Franklin Bank & Trust Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.24% above tier average
- + Efficiency Ratio 13.02% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 27.04% above tier average
- - Delinquency Rate 0.17% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$803.6M
+7.0% YoY
+0.1% QoQ
|
+$417.0M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
Top 7.9% in tier |
| Total Loans ? |
$683.2M
+8.0% YoY
+0.1% QoQ
|
+$424.8M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Top 3.1% in tier |
| Total Deposits ? |
$650.7M
+3.0% YoY
-1.4% QoQ
|
+$324.0M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
Top 9.5% in tier |
| Return on Assets ? |
1.57%
+21.3% YoY
-2.1% QoQ
|
+0.24% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
4.03%
+7.1% YoY
+1.7% QoQ
|
+0.04% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
51.46%
-5.4% YoY
-0.4% QoQ
|
-13.02% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
80% |
| Delinquency Rate ? |
1.09%
+257.5% YoY
+31.6% QoQ
|
+0.17% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
104.99%
+4.8% YoY
+1.5% QoQ
|
+27.04% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
Bottom 5.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.30%
+6.5% YoY
+1.2% QoQ
|
-2.73% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.93%
+260.7% YoY
+31.6% QoQ
|
+0.26% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
13.48%
+2.8% YoY
+1.7% QoQ
|
-2.43% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.36%
+21.7% YoY
+93.0% QoQ
|
-0.20% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
81% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.3%
+1.2pp YoY +0.2pp QoQ |
-2.8pp | 22.1% | 23.5% | 22.2% | 42% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.2%
-2.7pp YoY -0.7pp QoQ |
+3.6pp | 11.6% | 8.6% | 12.5% | 77% |
| CRE |
52.6%
+2.5pp YoY -0.5pp QoQ |
+13.0pp | 39.5% | 37.1% | 41.4% | 75% |
| 1-4 Family |
25.9%
+0.9pp YoY +0.9pp QoQ |
-6.7pp | 32.6% | 41.6% | 31.3% | 43% |
| Consumer |
0.4%
-0.3pp YoY 0.0pp QoQ |
-3.7pp | 4.1% | 4.8% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
13.5%
+0.4pp YoY +0.2pp QoQ |
+1.3pp | 12.2% | 14.0% | 12.6% | 78% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
84
+2 (+2.4%) YoY +3 (+3.7%) QoQ |
+25 | 58 | 105 | 482 | 79% |
| Assets per Employee ($) |
$9.6M
+4.5% YoY -3.5% QoQ |
+$2.0M | $7.5M | $6.3M | $8.8M | 84% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 8 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
+0.7pp YoY |
+0.4pp | 0.3% | 0.3% | 0.4% | 88% |
| Nonaccrual |
0.4%
+0.1pp YoY -0.4pp QoQ |
-0.5pp | 0.9% | 0.8% | 1.0% | 46% |
| Allowance Coverage |
0.86x
-73.9% YoY -24.1% QoQ |
-23.29x | 24.15x | 7.45x | 20.23x | 23% |
| Net Charge-off Rate (YTD) |
0.2%
-0.1pp YoY +0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 82% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.0%
+1.8pp YoY -0.4pp QoQ |
-0.2pp | 12.2% | 13.3% | 11.6% | 50% |
| Cost of Funds (YTD) |
2.2%
-0.3pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.7% | 1.7% | 79% |
| Net Income ($, YTD) |
$6.3M
+28.6% YoY — QoQ |
+$3.7M | $2.6M | $5.1M | $40.4M | 93% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.