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Bank Of Franklin
Meadville, MS · FDIC Certificate #10594 · Chartered 01/1
Total assets
$302.33M
Total deposits
$267.80M
Total equity
$32.70M
Net loans
$207.87M
Branches (offices)
5
Net income (YTD)
$1.39M
Rank: #2,458 of 4,213 U.S. banks by assets · #40 of 57 in Mississippi. Assets changed 21.2% and deposits 22.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 8.70% |
| Net interest margin (YTD) | 4.48% |
| Equity to assets | 10.82% |
| Tier 1 leverage ratio | 9.88% |
| Uninsured deposits (share of deposits) | 20.9% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 77.6% |
| Real estate loans (share of loans) | 85.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $177.72M | 85.5% | |
| Commercial & industrial | $18.75M | 9.0% | |
| Consumer / individual | $10.25M | 4.9% | |
| Construction & development | $15.74M | 7.6% | |
| Agricultural | $3.10M | 1.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $201.15M | $184.00M | $1.39M | $16.35M |
| Jun 2023 | $213.13M | $187.42M | $1.27M | $18.67M |
| Jun 2024 | $233.03M | $207.67M | $1.65M | $24.34M |
| Jun 2025 | $249.54M | $219.20M | $1.65M | $28.89M |
| Jun 2026 | $302.33M | $267.80M | $1.39M | $32.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $267.80M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $267.80M.
Similar-sized banks
Washington Savings Bank ($302.34M) · Hometown Bank Of Corbin, Inc. ($302.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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