BlastPoint's Banking Scorecard

Franklin Bank & Trust Company

$100M-$1B Specialty: Commercial KY FDIC cert 17937

Franklin, KY

5 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

Franklin Bank & Trust Company has 3 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 0.33% above tier average
+ Efficiency Ratio 13.61% below tier average
+ Delinquency Rate 0.06% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 26.78% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$802.6M +4.8% YoY +0.2% QoQ	+$416.6M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	Top 8.0% in tier
Total Loans ?	$682.4M +7.7% YoY -1.5% QoQ	+$426.7M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	Top 3.0% in tier
Total Deposits ?	$659.8M +1.7% YoY +2.8% QoQ	+$331.9M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	Top 9.1% in tier
Return on Assets ?	1.60% +30.1% YoY +15.4% QoQ	+0.33%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	72%
Net Interest Margin ?	3.96% +6.3% YoY +2.5% QoQ	+0.03%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	51.68% -7.9% YoY -2.9% QoQ	-13.61%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	0.83% +152.4% YoY +48.8% QoQ	-0.06%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	33%
Loan-to-Deposit Ratio ?	103.42% +5.9% YoY -4.2% QoQ	+26.78%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	Bottom 5.8% in tier
Non-Interest-Bearing Deposit Share ?	19.07% -3.1% YoY +10.4% QoQ	-2.95%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	41%
Nonperforming Asset Ratio ?	0.70% +159.4% YoY +46.4% QoQ	+0.07%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	29%
Tier 1 Capital Ratio ?	13.26% +3.8% YoY -1.1% QoQ	-2.57%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.19% +35.3% YoY -69.7% QoQ	-0.09%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	84%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Total Loans

size

Value: $682.39M

Peer Median: $255.72M

#82 of 2664 Top 3.0% in $100M-$1B

215

Total Assets

size

Value: $802.64M

Peer Median: $386.08M

#215 of 2664 Top 8.0% in $100M-$1B

243

Total Deposits

size

Value: $659.84M

Peer Median: $327.97M

#243 of 2664 Top 9.1% in $100M-$1B

437

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#437 of 2664 Top 16.4% in $100M-$1B

506

Efficiency Ratio

profitability

Value: 51.68%

Peer Median: 65.29%

#506 of 2664 Top 19.0% in $100M-$1B

Top Weaknesses (1 metrics)

2511

Loan-to-Deposit Ratio

liquidity

Value: 103.42%

Peer Median: 76.64%

#2511 of 2664 Bottom 5.8% in $100M-$1B