BlastPoint's Banking Scorecard

Franklin Bank

$100M-$1B Specialty: Commercial NJ FDIC cert 30402

Designations: ✓ Mutual

Pilesgrove, NJ

8 branches across NJ

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 25 in NJ.
Deposits +1.9% year over year ($301.3M on the books).
Delinquency rate 0.15%.
Return on assets 0.68%.
Efficiency ratio 78.55% vs a 64.48% peer average.
Loan-to-deposit ratio 70.70% 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 25 in NJ

View $100M-$1B leaderboard (NJ) →

Franklin 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

+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.4% in tier
- Credit Quality Pressure: Bottom 11.1% in tier
- ROA 0.65% below tier average
- Net Interest Margin 0.20% below tier average
- Efficiency Ratio 14.07% above tier average

Get updates when Franklin Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$334.1M +2.6% YoY -1.0% QoQ	-$52.5M	$386.6M +1.2% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	52%
Total Loans ?	$213.0M +2.2% YoY +1.8% QoQ	-$45.3M	$258.3M +1.7% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	51%
Total Deposits ?	$301.3M +1.9% YoY -1.2% QoQ	-$25.4M	$326.7M +0.7% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	55%
Return on Assets ?	0.68% +70.1% YoY +22.5% QoQ	-0.65%	1.32% +10.8% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	18%
Net Interest Margin ?	3.79% +8.6% YoY +3.7% QoQ	-0.20%	3.99% +5.0% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	41%
Efficiency Ratio ?	78.55% -7.0% YoY -2.3% QoQ	+14.07%	64.48% -3.2% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	15%
Delinquency Rate ?	0.15% +30.0% YoY +9.7% QoQ	-0.77%	0.92% +15.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	70%
Loan-to-Deposit Ratio ?	70.70% +0.3% YoY +3.1% QoQ	-7.25%	77.95% +1.0% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	68%
Non-Interest-Bearing Deposit Share ?	13.68% +13.4% YoY +9.2% QoQ	-8.35%	22.03% -0.6% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	20%
Nonperforming Asset Ratio ?	0.09% +29.5% YoY +12.8% QoQ	-0.57%	0.67% +16.4% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	72%
Tier 1 Capital Ratio ?	17.38% +2.3% YoY -0.1% QoQ	+1.47%	15.91% +1.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.23% +2.7% YoY +105.8% QoQ	-0.33%	0.57% +7.6% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	59%

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 (NJ)	National Avg	Tier Percentile
Noninterest-Bearing	13.7% +1.6pp YoY +1.2pp QoQ	-8.5pp	22.1%	16.6%	22.2%	19%
Brokered Deposits	n/a	n/a	7.9%	10.1%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	3.5% +0.3pp YoY +0.3pp QoQ	-8.0pp	11.6%	6.5%	12.5%	12%
CRE	36.0% +4.1pp YoY +1.2pp QoQ	-3.6pp	39.5%	56.3%	41.4%	45%
1-4 Family	60.2% -4.2pp YoY -1.5pp QoQ	+27.6pp	32.6%	39.4%	31.3%	90%
Consumer	0.7% -0.2pp YoY -0.1pp QoQ	-3.5pp	4.1%	4.3%	5.0%	20%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	17.4% +0.4pp YoY 0.0pp QoQ	-1.4pp	18.8%	18.8%	19.7%	66%
Leverage Ratio	10.3% +0.2pp YoY +0.2pp QoQ	-1.9pp	12.2%	13.4%	12.6%	37%
Total Capital Ratio	18.3% +0.3pp YoY -0.1pp QoQ	-1.7pp	19.9%	19.8%	20.8%	64%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	66 -4 (-5.7%) YoY -3 (-4.3%) QoQ	+7	58	336	482	68%
Assets per Employee ($)	$5.1M +8.9% YoY +3.5% QoQ	-$2.5M	$7.5M	$11.2M	$8.8M	15%
Branch Count	8 0 YoY 0 QoQ	+3	4	20	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.8%	1.0%	24%
Allowance Coverage	5.50x -28.7% YoY -14.7% QoQ	-18.66x	24.15x	6.57x	20.23x	72%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	56%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	7.5% +2.7pp YoY +1.3pp QoQ	-4.7pp	12.2%	6.4%	11.6%	23%
Cost of Funds (YTD)	0.8% -0.2pp YoY 0.0pp QoQ	-0.9pp	1.7%	1.9%	1.7%	5%
Net Income ($, YTD)	$1.1M +75.8% YoY — QoQ	-$1.4M	$2.6M	$19.8M	$40.4M	31%

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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 (2)

Credit Risk Growth

risk

#14 of 936 • Bottom 1.4% 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

Credit Quality Pressure

risk

#140 of 1256 • Bottom 11.1% in tier

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

Why this signature

Delinquency Rate: 0.15%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

575

Tier 1 Capital Ratio

capital

Value: 17.38%

Peer Median: 15.91%

#575 of 2643 Top 21.7% in $100M-$1B

Top Weaknesses (3 metrics)

2238

Efficiency Ratio

profitability

Value: 78.55%

Peer Median: 64.48%

#2238 of 2643 Bottom 15.4% in $100M-$1B

2172

Return on Assets

profitability

Value: 0.68%

Peer Median: 1.32%

#2172 of 2643 Bottom 17.9% in $100M-$1B

2127

Non-Interest-Bearing Deposit Share

funding

Value: 13.68%

Peer Median: 22.03%

#2127 of 2643 Bottom 19.6% in $100M-$1B