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Bank of Franklin County

$100M-$1B Specialty: Commercial MO FDIC cert 35543

Washington, MO

6 branches across MO

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 140 in MO.
  • Deposits +2.6% year over year ($357.5M on the books).
  • Delinquency rate 0.27%.
  • Return on assets 0.74%.
  • Efficiency ratio 73.87% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.58% 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 140 in MO
View $100M-$1B leaderboard (MO) →

Bank of Franklin County has 1 strength but faces 8 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 0.65% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 8.5% in tier
  • - Credit Risk Growth: Bottom 12.2% in tier
  • - Flatlined Growth: Bottom 17.8% in tier
  • - Liquidity Strain: Bottom 21.3% in tier
  • - Credit Quality Pressure: Bottom 35.4% in tier
  • - ROA 0.58% below tier average
  • - Net Interest Margin 0.16% below tier average
  • - Efficiency Ratio 9.39% above tier average
Get updates when Bank of Franklin County releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $419.4M
+0.0% YoY +0.7% QoQ
+$32.8M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
64%
Total Loans ? $341.7M
+1.9% YoY +0.7% QoQ
+$83.3M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $357.5M
+2.6% YoY +2.3% QoQ
+$30.8M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
64%
Return on Assets ? 0.74%
+36.9% YoY +2.9% QoQ
-0.58% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
21%
Net Interest Margin ? 3.82%
+8.8% YoY +3.2% QoQ
-0.16% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
44%
Efficiency Ratio ? 73.87%
-5.2% YoY -0.2% QoQ
+9.39% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
22%
Delinquency Rate ? 0.27%
+973.2% YoY -23.4% QoQ
-0.65% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
59%
Loan-to-Deposit Ratio ? 95.58%
-0.7% YoY -1.5% QoQ
+17.63% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
15%
Non-Interest-Bearing Deposit Share ? 17.32%
+4.2% YoY -0.4% QoQ
-4.71% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 0.35%
+75.0% YoY -18.6% QoQ
-0.32% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 9.53%
-7.4% YoY -0.1% QoQ
-6.38% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 5.3% in tier
Non-Interest Income / Assets ? 0.27%
+45.2% YoY +65.6% QoQ
-0.30% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
66%

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 (MO) National Avg Tier Percentile
Noninterest-Bearing 17.3%
+0.7pp YoY
-0.1pp QoQ
 -4.8pp 22.1% 20.9% 22.2% 33%
Brokered Deposits 1.0% -6.8pp 7.9% 7.4% 8.5% 19%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 23.4%
+1.6pp YoY
-1.4pp QoQ
 +11.8pp 11.6% 12.3% 12.5% 92%
CRE 47.3%
+2.0pp YoY
+1.9pp QoQ
 +7.8pp 39.5% 36.8% 41.4% 66%
1-4 Family 27.4%
-3.1pp YoY
-0.3pp QoQ
 -5.2pp 32.6% 31.9% 31.3% 46%
Consumer 0.9%
-0.5pp YoY
-0.2pp QoQ
 -3.2pp 4.1% 4.1% 5.0% 27%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 9.5%
+0.6pp YoY
0.0pp QoQ
 -2.6pp 12.2% 11.6% 12.6% 22%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 74
-4 (-5.1%) YoY
-2 (-2.6%) QoQ
 +15 58 162 482 73%
Assets per Employee ($) $5.7M
+5.4% YoY
+3.4% QoQ
 -$1.9M $7.5M $8.0M $8.8M 26%
Branch Count 6
0 YoY
0 QoQ
 +1 4 10 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp QoQ
 -0.2pp 0.3% 0.3% 0.4% 53%
Nonaccrual 0.2%
+0.1pp YoY
-0.1pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 26%
Allowance Coverage 4.31x
-90.8% YoY
+21.9% QoQ
 -19.84x 24.15x 10.47x 20.23x 67%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
 +0.1pp 0.1% 0.3% 0.2% 86%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 8.3%
+1.5pp YoY
+0.2pp QoQ
 -3.9pp 12.2% 14.3% 11.6% 27%
Cost of Funds (YTD) 2.2%
-0.3pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.8% 1.7% 79%
Net Income ($, YTD) $1.5M
+34.6% YoY
— QoQ
 -$1.0M $2.6M $11.3M $40.4M 42%

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 (5)

Capital Thin

risk
#57 of 661 • Bottom 8.5% 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: 9.53%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Risk Growth

risk
#115 of 936 • Bottom 12.2% 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

Flatlined Growth

risk
#95 of 529 • Bottom 17.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.74%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#148 of 691 • Bottom 21.3% 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: 95.58%
(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 Quality Pressure

risk
#446 of 1256 • Bottom 35.4% in tier

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

Why this signature
Delinquency Rate: 0.27%
(Tier: 0.92%, National: 0.98%)
better 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 (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2504
Tier 1 Capital Ratio
capital
Value: 9.53%
Peer Median: 15.91%
#2504 of 2643 Bottom 5.3% in $100M-$1B
2235
Loan-to-Deposit Ratio
liquidity
Value: 95.58%
Peer Median: 77.95%
#2235 of 2643 Bottom 15.5% in $100M-$1B
2100
Return on Assets
profitability
Value: 0.74%
Peer Median: 1.32%
#2100 of 2643 Bottom 20.6% in $100M-$1B
2057
Efficiency Ratio
profitability
Value: 73.87%
Peer Median: 64.48%
#2057 of 2643 Bottom 22.2% in $100M-$1B
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