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Franklin Savings Bank

$100M-$1B Specialty: Commercial NH FDIC cert 17951

Franklin, NH

9 branches across NH

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 11 in NH.
  • Deposits +3.9% year over year ($776.1M on the books).
  • Delinquency rate 0.50%.
  • Return on assets 1.09%.
  • Efficiency ratio 61.91% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.49% 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 11 in NH
View $100M-$1B leaderboard (NH) →

Franklin Savings Bank has 2 strengths but faces 5 concerns

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

  • + Efficiency Ratio 2.57% below tier average
  • + Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 20.9% in tier
  • - Liquidity Strain: Bottom 29.7% in tier
  • - Credit Risk Growth: Bottom 44.4% in tier
  • - ROA 0.23% below tier average
  • - Net Interest Margin 0.64% below tier average
Get updates when Franklin Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Total Assets ? $931.4M
+2.9% YoY +2.6% QoQ
+$544.8M $386.6M
+1.2% YoY
$985.9M
+4.5% YoY
$6.3B
+7.7% YoY
Top 2.6% in tier
Total Loans ? $725.5M
+5.3% YoY +0.2% QoQ
+$467.2M $258.3M
+1.7% YoY
$784.0M
+4.1% YoY
$3.2B
+9.4% YoY
Top 1.6% in tier
Total Deposits ? $776.1M
+3.9% YoY +0.6% QoQ
+$449.3M $326.7M
+0.7% YoY
$821.8M
+4.3% YoY
$4.9B
+7.3% YoY
Top 3.3% in tier
Return on Assets ? 1.09%
+69.1% YoY -4.7% QoQ
-0.23% 1.32%
+10.8% YoY
2.60%
+26.0% YoY
1.30%
+12.1% YoY
40%
Net Interest Margin ? 3.35%
+19.8% YoY +0.8% QoQ
-0.64% 3.99%
+5.0% YoY
3.32%
+9.1% YoY
3.95%
+4.9% YoY
22%
Efficiency Ratio ? 61.91%
-16.7% YoY +1.3% QoQ
-2.57% 64.48%
-3.2% YoY
72.35%
-12.1% YoY
70.05%
+2.5% YoY
52%
Delinquency Rate ? 0.50%
+340.1% QoQ
-0.42% 0.92%
+15.7% YoY
0.71%
+32.8% YoY
0.98%
+16.3% YoY
46%
Loan-to-Deposit Ratio ? 93.49%
+1.4% YoY -0.4% QoQ
+15.54% 77.95%
+1.0% YoY
86.43%
-0.1% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 17.26%
+1.5% YoY +3.0% QoQ
-4.77% 22.03%
-0.6% YoY
14.23%
-1.6% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 0.39%
+330.1% QoQ
-0.28% 0.67%
+16.4% YoY
0.64%
+37.8% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 9.75%
-19.9% YoY -22.3% QoQ
-6.15% 15.91%
+1.4% YoY
18.41%
-3.0% YoY
17.09%
+0.8% YoY
Bottom 7.7% in tier
Non-Interest Income / Assets ? 0.42%
+3.3% YoY +95.5% QoQ
-0.15% 0.57%
+7.6% YoY
2.02%
+14.2% YoY
0.66%
+5.2% YoY
Top 13.1% in tier

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 (NH) National Avg Tier Percentile
Noninterest-Bearing 17.3%
+0.3pp YoY
+0.5pp QoQ
 -4.9pp 22.1% 15.1% 22.2% 33%
Brokered Deposits 0.5%
-4.6pp YoY
-1.9pp QoQ
 -7.4pp 7.9% 8.0% 8.5% 11%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
C&I 4.9%
-0.8pp YoY
0.0pp QoQ
 -6.6pp 11.6% 10.5% 12.5% 20%
CRE 62.9%
+2.5pp YoY
+0.2pp QoQ
 +23.3pp 39.5% 41.5% 41.4% 87%
1-4 Family 30.4%
-1.7pp YoY
-0.5pp QoQ
 -2.3pp 32.6% 44.6% 31.3% 52%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -3.9pp 4.1% 4.8% 5.0% 8%

Capital

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 14.5% 19.7% n/a
Leverage Ratio 9.8%
+0.6pp YoY
+0.2pp QoQ
 -2.4pp 12.2% 16.7% 12.6% 26%
Total Capital Ratio n/a n/a 19.9% 15.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Full-Time Employees 105
-18 (-14.6%) YoY
-8 (-7.1%) QoQ
 +46 58 117 482 88%
Assets per Employee ($) $8.9M
+20.5% YoY
+10.4% QoQ
 +$1.4M $7.5M $8.6M $8.8M 78%
Branch Count 9
0 YoY
0 QoQ
 +4 4 7 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.0% 0.4% n/a
Nonaccrual 0.5%
+0.5pp YoY
+0.4pp QoQ
 -0.4pp 0.9% 0.8% 1.0% 53%
Allowance Coverage 1.80x
-95.3% YoY
-76.1% QoQ
 -22.35x 24.15x 5.03x 20.23x 44%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 38%

Profitability

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
ROE 12.6%
+4.4pp YoY
-0.7pp QoQ
 +0.4pp 12.2% 7.7% 11.6% 53%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 60%
Net Income ($, YTD) $5.0M
+80.5% YoY
— QoQ
 +$2.5M $2.6M $4.7M $40.4M 87%

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 (3)

Capital Thin

risk
#139 of 661 • Bottom 20.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.75%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Liquidity Strain

risk
#206 of 691 • Bottom 29.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.49%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#417 of 936 • Bottom 44.4% 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)

43
Total Loans
size
Value: $725.53M
Peer Median: $258.35M
#43 of 2643 Top 1.6% in $100M-$1B
69
Total Assets
size
Value: $931.39M
Peer Median: $386.57M
#69 of 2643 Top 2.6% in $100M-$1B
87
Total Deposits
size
Value: $776.07M
Peer Median: $326.73M
#87 of 2643 Top 3.3% in $100M-$1B
347
Non-Interest Income / Assets
revenue_mix
Value: 0.42%
Peer Median: 0.57%
#347 of 2643 Top 13.1% in $100M-$1B

Top Weaknesses (3 metrics)

2440
Tier 1 Capital Ratio
capital
Value: 9.75%
Peer Median: 15.91%
#2440 of 2643 Bottom 7.7% in $100M-$1B
2138
Loan-to-Deposit Ratio
liquidity
Value: 93.49%
Peer Median: 77.95%
#2138 of 2643 Bottom 19.1% in $100M-$1B
2072
Net Interest Margin
profitability
Value: 3.35%
Peer Median: 3.99%
#2072 of 2643 Bottom 21.6% in $100M-$1B
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