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Franklin Savings Bank

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

Farmington, ME

9 branches across ME

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 6 in ME.
  • Deposits +2.3% year over year ($601.1M on the books).
  • Delinquency rate 1.37%.
  • Return on assets 0.99%.
  • Efficiency ratio 69.01% vs a 64.48% peer average.
  • Loan-to-deposit ratio 111.55% 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 6 in ME
View $100M-$1B leaderboard (ME) →

Franklin Savings Bank has 1 strength 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

  • + Net Interest Margin 0.44% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 8.1% in tier
  • - Credit Risk Growth: Bottom 15.6% in tier
  • - Credit Quality Pressure: Bottom 47.2% in tier
  • - ROA 0.34% below tier average
  • - Efficiency Ratio 4.53% above 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 (ME) National Avg Tier Percentile
Total Assets ? $786.9M
+4.2% YoY +2.9% QoQ
+$400.3M $386.6M
+1.2% YoY
$2.2B
+6.4% YoY
$6.3B
+7.7% YoY
Top 8.7% in tier
Total Loans ? $670.5M
+5.0% YoY +1.3% QoQ
+$412.2M $258.3M
+1.7% YoY
$1.7B
+7.1% YoY
$3.2B
+9.4% YoY
Top 3.3% in tier
Total Deposits ? $601.1M
+2.3% YoY -0.9% QoQ
+$274.4M $326.7M
+0.7% YoY
$1.7B
+2.6% YoY
$4.9B
+7.3% YoY
Top 12.2% in tier
Return on Assets ? 0.99%
+17.6% YoY +4.1% QoQ
-0.34% 1.32%
+10.8% YoY
0.97%
+42.0% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 4.42%
+11.6% YoY +0.4% QoQ
+0.44% 3.99%
+5.0% YoY
3.45%
+9.6% YoY
3.95%
+4.9% YoY
76%
Efficiency Ratio ? 69.01%
-4.5% YoY -0.4% QoQ
+4.53% 64.48%
-3.2% YoY
70.51%
-8.6% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 1.37%
+4.1% YoY +3.2% QoQ
+0.45% 0.92%
+15.7% YoY
0.57%
+7.0% YoY
0.98%
+16.3% YoY
20%
Loan-to-Deposit Ratio ? 111.55%
+2.6% YoY +2.3% QoQ
+33.60% 77.95%
+1.0% YoY
101.71%
+3.8% YoY
79.03%
+2.3% YoY
Bottom 2.5% in tier
Non-Interest-Bearing Deposit Share ? 22.67%
+3.3% YoY +0.3% QoQ
+0.64% 22.03%
-0.6% YoY
16.78%
+2.2% YoY
21.98%
-0.6% YoY
58%
Nonperforming Asset Ratio ? 1.17%
+4.9% YoY +1.6% QoQ
+0.50% 0.67%
+16.4% YoY
0.49%
+14.6% YoY
0.69%
+15.8% YoY
17%
Tier 1 Capital Ratio ? 22.03%
-1.2% YoY -0.9% QoQ
+6.12% 15.91%
+1.4% YoY
14.51%
+1.8% YoY
17.09%
+0.8% YoY
Top 10.3% in tier
Non-Interest Income / Assets ? 0.16%
+14.4% YoY +68.2% QoQ
-0.41% 0.57%
+7.6% YoY
0.26%
-0.2% YoY
0.66%
+5.2% YoY
38%

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 (ME) National Avg Tier Percentile
Noninterest-Bearing 22.7%
+0.7pp YoY
+0.1pp QoQ
 +0.5pp 22.1% 16.8% 22.2% 57%
Brokered Deposits 5.4%
-2.0pp YoY
-1.6pp QoQ
 -2.5pp 7.9% 12.9% 8.5% 55%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
C&I 7.0%
+0.1pp YoY
+0.2pp QoQ
 -4.6pp 11.6% 8.7% 12.5% 32%
CRE 46.0%
-1.4pp YoY
+0.2pp QoQ
 +6.5pp 39.5% 38.6% 41.4% 64%
1-4 Family 46.3%
+1.7pp YoY
-0.1pp QoQ
 +13.7pp 32.6% 49.6% 31.3% 79%
Consumer 1.4%
-0.2pp YoY
-0.1pp QoQ
 -2.7pp 4.1% 1.9% 5.0% 37%

Capital

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
CET1 Ratio 22.0%
-0.3pp YoY
-0.2pp QoQ
 +3.2pp 18.8% 15.4% 19.7% 83%
Leverage Ratio 18.8%
-0.1pp YoY
+0.2pp QoQ
 +6.6pp 12.2% 11.6% 12.6% 95%
Total Capital Ratio 22.9%
-0.2pp YoY
-0.2pp QoQ
 +2.9pp 19.9% 16.4% 20.8% 82%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Full-Time Employees 147
+1 (+0.7%) YoY
0 QoQ
 +88 58 259 482 97%
Assets per Employee ($) $5.4M
+3.5% YoY
+2.9% QoQ
 -$2.2M $7.5M $8.5M $8.8M 20%
Branch Count 9
+1 (+12.5%) YoY
0 QoQ
 +4 4 18 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.0% 0.4% 36%
Nonaccrual 1.3%
0.0pp YoY
+0.1pp QoQ
 +0.4pp 0.9% 0.6% 1.0% 79%
Allowance Coverage 0.56x
+4.0% YoY
-3.4% QoQ
 -23.59x 24.15x 7.67x 20.23x 12%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 73%

Profitability

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
ROE 5.5%
+0.7pp YoY
+0.2pp QoQ
 -6.7pp 12.2% 8.8% 11.6% 15%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 2.0% 1.7% 48%
Net Income ($, YTD) $3.8M
+23.5% YoY
— QoQ
 +$1.3M $2.6M $12.8M $40.4M 79%

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)

Liquidity Overhang

risk
#61 of 742 • Bottom 8.1% 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: 22.03%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 111.55%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#147 of 936 • Bottom 15.6% 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

Credit Quality Pressure

risk
#594 of 1256 • Bottom 47.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 1.37%
(Tier: 0.92%, National: 0.98%)
worse than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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 (5 metrics)

89
Total Loans
size
Value: $670.54M
Peer Median: $258.35M
#89 of 2643 Top 3.3% in $100M-$1B
231
Total Assets
size
Value: $786.86M
Peer Median: $386.57M
#231 of 2643 Top 8.7% in $100M-$1B
274
Tier 1 Capital Ratio
capital
Value: 22.03%
Peer Median: 15.91%
#274 of 2643 Top 10.3% in $100M-$1B
324
Total Deposits
size
Value: $601.11M
Peer Median: $326.73M
#324 of 2643 Top 12.2% in $100M-$1B
635
Net Interest Margin
profitability
Value: 4.42%
Peer Median: 3.99%
#635 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (3 metrics)

2578
Loan-to-Deposit Ratio
liquidity
Value: 111.55%
Peer Median: 77.95%
#2578 of 2643 Bottom 2.5% in $100M-$1B
2198
Nonperforming Asset Ratio
credit_quality
Value: 1.17%
Peer Median: 0.67%
#2198 of 2643 Bottom 16.9% in $100M-$1B
2098
Delinquency Rate
credit_quality
Value: 1.37%
Peer Median: 0.92%
#2098 of 2633 Bottom 20.4% in $100M-$1B
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