Advertisement
Franklin Bank & Trust Company
Franklin, KY · FDIC Certificate #17937 · Chartered 12/0
Total assets
$803.59M
Total deposits
$650.73M
Total equity
$107.38M
Net loans
$683.19M
Branches (offices)
5
Net income (YTD)
$6.28M
Rank: #1,252 of 4,213 U.S. banks by assets · #22 of 120 in Kentucky. Assets changed 7.0% and deposits 3.0% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.57% |
| Return on equity | 11.96% |
| Net interest margin (YTD) | 4.03% |
| Equity to assets | 13.36% |
| Tier 1 leverage ratio | 13.48% |
| Uninsured deposits (share of deposits) | 16.8% |
| Noncurrent loans (share of loans) | 1.08% |
| Net charge-offs (share of loans) | 0.15% |
| Loans to deposits | 105.0% |
| Real estate loans (share of loans) | 83.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $571.57M | 83.7% | |
| Commercial & industrial | $103.87M | 15.2% | |
| Consumer / individual | $3.06M | 0.4% | |
| Construction & development | $90.56M | 13.3% | |
| Agricultural | $6.67M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $699.49M | $578.54M | $3.74M | $79.64M |
| Jun 2023 | $734.49M | $599.26M | $5.14M | $86.52M |
| Jun 2024 | $745.19M | $619.18M | $4.46M | $90.07M |
| Jun 2025 | $750.83M | $631.73M | $4.88M | $97.83M |
| Jun 2026 | $803.59M | $650.73M | $6.28M | $107.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $650.73M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $650.73M.
Similar-sized banks
The Citizens Bank ($804.31M) · Mrv Banks ($803.09M)
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.
Advertisement