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Bank Of Franklin County
Washington, MO · FDIC Certificate #35543 · Chartered 08/2
Total assets
$419.39M
Total deposits
$357.49M
Total equity
$37.34M
Net loans
$341.69M
Branches (offices)
6
Net income (YTD)
$1.54M
Rank: #2,000 of 4,213 U.S. banks by assets · #79 of 190 in Missouri. Assets changed 0.0% and deposits 2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.74% |
| Return on equity | 8.34% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 8.90% |
| Tier 1 leverage ratio | 9.53% |
| Uninsured deposits (share of deposits) | 11.9% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.21% |
| Loans to deposits | 95.6% |
| Real estate loans (share of loans) | 76.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $260.00M | 76.1% | |
| Commercial & industrial | $79.81M | 23.4% | |
| Consumer / individual | $3.23M | 0.9% | |
| Construction & development | $44.03M | 12.9% | |
| Agricultural | $198.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $327.49M | $301.21M | $1.31M | $24.79M |
| Jun 2023 | $386.34M | $323.46M | $699.00K | $29.41M |
| Jun 2024 | $417.15M | $346.76M | $584.00K | $31.79M |
| Jun 2025 | $419.34M | $348.37M | $1.14M | $34.42M |
| Jun 2026 | $419.39M | $357.49M | $1.54M | $37.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $357.49M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $357.49M.
Similar-sized banks
First National Bank Of Brookfield ($419.58M) · Kentland Bank ($419.37M)
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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