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Franklin Bank
Pilesgrove, NJ · FDIC Certificate #30402 · Chartered 01/0
Total assets
$334.06M
Total deposits
$301.35M
Total equity
$30.76M
Net loans
$213.04M
Branches (offices)
7
Net income (YTD)
$1.13M
Rank: #2,315 of 4,213 U.S. banks by assets · #40 of 49 in New Jersey. Assets changed 2.6% and deposits 1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 7.50% |
| Net interest margin (YTD) | 3.79% |
| Equity to assets | 9.21% |
| Tier 1 leverage ratio | 10.28% |
| Uninsured deposits (share of deposits) | 13.7% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 70.7% |
| Real estate loans (share of loans) | 96.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $205.84M | 96.6% | |
| Commercial & industrial | $7.53M | 3.5% | |
| Consumer / individual | $1.40M | 0.7% | |
| Construction & development | $14.56M | 6.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $326.09M | $302.22M | $435.00K | $21.94M |
| Jun 2023 | $323.18M | $300.31M | $164.00K | $21.23M |
| Jun 2024 | $317.27M | $291.05M | $1.06M | $24.45M |
| Jun 2025 | $325.45M | $295.79M | $644.00K | $27.90M |
| Jun 2026 | $334.06M | $301.35M | $1.13M | $30.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $301.35M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $301.35M.
Similar-sized banks
Reliance Bank ($334.12M) · Bank Of Commerce ($333.98M)
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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