BlastPoint's Banking Scorecard

Franklin Savings Bank

$100M-$1B Specialty: Commercial ME FDIC cert 19836

Farmington, ME

8 branches across ME

2664 banks in the $100M-$1B peer group nationally 6 in ME

Franklin Savings Bank has 1 strength but faces 4 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

+ Net Interest Margin 0.47% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 7.7% in tier
- Credit Risk Growth: Bottom 33.7% in tier
- ROA 0.32% below tier average
- Efficiency Ratio 3.97% above tier average

Get updates when Franklin Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Total Assets ?	$764.6M +4.2% YoY -1.4% QoQ	+$378.6M	$386.1M +0.5% YoY	$2.2B +5.5% YoY	$6.2B +9.1% YoY	Top 9.9% in tier
Total Loans ?	$661.7M +6.2% YoY +0.5% QoQ	+$406.0M	$255.7M +1.1% YoY	$1.7B +6.5% YoY	$3.2B +10.8% YoY	Top 3.7% in tier
Total Deposits ?	$606.7M +3.4% YoY -0.6% QoQ	+$278.7M	$328.0M +0.1% YoY	$1.7B +2.2% YoY	$4.8B +8.2% YoY	Top 11.9% in tier
Return on Assets ?	0.95% +25.3% YoY +31.9% QoQ	-0.32%	1.27% +12.9% YoY	0.81% +48.6% YoY	1.23% +13.4% YoY	35%
Net Interest Margin ?	4.40% +13.3% YoY +7.7% QoQ	+0.47%	3.93% +6.0% YoY	3.42% +9.8% YoY	3.89% +5.7% YoY	78%
Efficiency Ratio ?	69.26% -7.2% YoY -5.9% QoQ	+3.97%	65.29% -4.5% YoY	70.43% -11.2% YoY	66.95% -4.1% YoY	34%
Delinquency Rate ?	1.33% +25.9% YoY -16.1% QoQ	+0.44%	0.89% +18.8% YoY	0.56% +20.7% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	109.07% +2.8% YoY +1.1% QoQ	+32.43%	76.64% +0.8% YoY	100.20% +2.7% YoY	76.70% +0.9% YoY	Bottom 3.2% in tier
Non-Interest-Bearing Deposit Share ?	22.60% +1.0% YoY +2.3% QoQ	+0.58%	22.02% -1.0% YoY	16.54% +3.4% YoY	22.01% -1.2% YoY	57%
Nonperforming Asset Ratio ?	1.15% +28.4% YoY -14.5% QoQ	+0.51%	0.64% +19.7% YoY	0.47% +26.7% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	22.23% -2.6% YoY +1.3% QoQ	+6.40%	15.83% +1.5% YoY	14.56% +2.5% YoY	17.06% +0.8% YoY	Top 9.6% in tier
Non-Interest Income / Assets ?	0.10% +38.3% YoY -68.1% QoQ	-0.18%	0.28% +9.3% YoY	0.13% +1.6% YoY	0.32% +4.1% YoY	49%

Get Full Access to Franklin Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Liquidity Overhang

risk

#58 of 739 • Bottom 7.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 22.23%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 109.07%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#329 of 973 • Bottom 33.7% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 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).

Compare against:

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

Top Strengths (5 metrics)

100

Total Loans

size

Value: $661.73M

Peer Median: $255.72M

#100 of 2664 Top 3.7% in $100M-$1B

258

Tier 1 Capital Ratio

capital

Value: 22.23%

Peer Median: 15.83%

#258 of 2664 Top 9.6% in $100M-$1B

266

Total Assets

size

Value: $764.63M

Peer Median: $386.08M

#266 of 2664 Top 9.9% in $100M-$1B

319

Total Deposits

size

Value: $606.70M

Peer Median: $327.97M

#319 of 2664 Top 11.9% in $100M-$1B

589

Net Interest Margin

profitability

Value: 4.40%

Peer Median: 3.93%

#589 of 2664 Top 22.1% in $100M-$1B

Top Weaknesses (3 metrics)

2580

Loan-to-Deposit Ratio

liquidity

Value: 109.07%

Peer Median: 76.64%

#2580 of 2664 Bottom 3.2% in $100M-$1B

2223

Nonperforming Asset Ratio

credit_quality

Value: 1.15%

Peer Median: 0.64%

#2223 of 2664 Bottom 16.6% in $100M-$1B

2081

Delinquency Rate

credit_quality

Value: 1.33%

Peer Median: 0.89%

#2081 of 2654 Bottom 21.6% in $100M-$1B