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Franklin Savings Bank
Farmington, ME · FDIC Certificate #19836 · Chartered 11/1
Total assets
$786.86M
Total deposits
$601.11M
Total equity
$141.19M
Net loans
$670.54M
Branches (offices)
9
Net income (YTD)
$3.83M
Rank: #1,273 of 4,213 U.S. banks by assets · #17 of 22 in Maine. Assets changed 4.2% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.99% |
| Return on equity | 5.50% |
| Net interest margin (YTD) | 4.42% |
| Equity to assets | 17.94% |
| Tier 1 leverage ratio | 18.79% |
| Uninsured deposits (share of deposits) | 7.6% |
| Noncurrent loans (share of loans) | 1.36% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 111.5% |
| Real estate loans (share of loans) | 92.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $619.07M | 92.3% | |
| Commercial & industrial | $46.65M | 7.0% | |
| Consumer / individual | $9.29M | 1.4% | |
| Construction & development | $25.81M | 3.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $565.87M | $441.97M | $2.43M | $116.69M |
| Jun 2023 | $608.95M | $446.01M | $2.49M | $119.29M |
| Jun 2024 | $693.63M | $494.60M | $2.23M | $122.24M |
| Jun 2025 | $755.19M | $587.53M | $3.10M | $130.47M |
| Jun 2026 | $786.86M | $601.11M | $3.83M | $141.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maine | $601.11M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $601.11M.
Similar-sized banks
Quontic Bank ($787.02M) · Savers Co-Operative Bank ($783.18M)
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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