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Bank of Franklin County

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

Washington, MO

6 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 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 0.53% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 4.5% in tier
  • - Flatlined Growth: Bottom 9.4% in tier
  • - Credit Risk Growth: Bottom 13.4% in tier
  • - Liquidity Strain: Bottom 26.1% in tier
  • - Credit Quality Pressure: Bottom 42.0% in tier
  • - ROA 0.55% below tier average
  • - Net Interest Margin 0.22% below tier average
  • - Efficiency Ratio 8.77% above tier average
Get updates when Bank of Franklin County releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $416.4M
-1.4% YoY +1.9% QoQ
+$30.4M $386.1M
+0.5% YoY
$1.6B
+6.5% YoY
$6.2B
+9.1% YoY
63%
Total Loans ? $339.2M
+1.6% YoY +2.3% QoQ
+$83.5M $255.7M
+1.1% YoY
$1.0B
+8.5% YoY
$3.2B
+10.8% YoY
73%
Total Deposits ? $349.6M
-0.7% YoY +2.3% QoQ
+$21.6M $328.0M
+0.1% YoY
$1.3B
+6.1% YoY
$4.8B
+8.2% YoY
63%
Return on Assets ? 0.72%
+69.2% YoY +10.7% QoQ
-0.55% 1.27%
+12.9% YoY
1.43%
+10.8% YoY
1.23%
+13.4% YoY
22%
Net Interest Margin ? 3.71%
+9.2% YoY +1.8% QoQ
-0.22% 3.93%
+6.0% YoY
4.51%
+2.1% YoY
3.89%
+5.7% YoY
41%
Efficiency Ratio ? 74.05%
-8.7% YoY -1.9% QoQ
+8.77% 65.29%
-4.5% YoY
59.97%
-5.2% YoY
66.95%
-4.1% YoY
24%
Delinquency Rate ? 0.36%
+149.4% QoQ
-0.53% 0.89%
+18.8% YoY
0.83%
+18.3% YoY
0.95%
+18.8% YoY
53%
Loan-to-Deposit Ratio ? 97.04%
+2.3% YoY +0.0% QoQ
+20.40% 76.64%
+0.8% YoY
79.48%
+1.6% YoY
76.70%
+0.9% YoY
Bottom 12.4% in tier
Non-Interest-Bearing Deposit Share ? 17.39%
+8.6% YoY +2.3% QoQ
-4.63% 22.02%
-1.0% YoY
20.72%
+0.3% YoY
22.01%
-1.2% YoY
34%
Nonperforming Asset Ratio ? 0.43%
+80.9% YoY +65.2% QoQ
-0.20% 0.64%
+19.7% YoY
0.67%
+20.5% YoY
0.67%
+19.3% YoY
41%
Tier 1 Capital Ratio ? 9.54%
-7.5% YoY -8.8% QoQ
-6.29% 15.83%
+1.5% YoY
15.44%
-0.4% YoY
17.06%
+0.8% YoY
Bottom 5.0% in tier
Non-Interest Income / Assets ? 0.16%
+70.9% YoY -59.8% QoQ
-0.12% 0.28%
+9.3% YoY
0.29%
+5.6% YoY
0.32%
+4.1% YoY
77%

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
#31 of 666 • Bottom 4.5% 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: 9.54%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#49 of 512 • Bottom 9.4% 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: 0.72%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ

Credit Risk Growth

risk
#131 of 973 • Bottom 13.4% 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

Liquidity Strain

risk
#169 of 643 • Bottom 26.1% 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: 97.04%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#551 of 1308 • Bottom 42.0% in tier

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

Why this signature
Delinquency Rate: 0.36%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

608
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.28%
#608 of 2664 Top 22.8% in $100M-$1B

Top Weaknesses (4 metrics)

2532
Tier 1 Capital Ratio
capital
Value: 9.54%
Peer Median: 15.83%
#2532 of 2664 Bottom 5.0% in $100M-$1B
2335
Loan-to-Deposit Ratio
liquidity
Value: 97.04%
Peer Median: 76.64%
#2335 of 2664 Bottom 12.4% in $100M-$1B
2081
Return on Assets
profitability
Value: 0.72%
Peer Median: 1.27%
#2081 of 2664 Bottom 21.9% in $100M-$1B
2022
Efficiency Ratio
profitability
Value: 74.05%
Peer Median: 65.29%
#2022 of 2664 Bottom 24.1% in $100M-$1B
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