# BANK OF FRANKLIN
MEADVILLE, MS · FDIC certificate 10594 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $302.3M | |
| Deposits | $267.8M | |
| Loans and leases | $210.4M | |
| Total equity | $32.7M | |
| Loans / deposits | 77.62% (p40 of band) | 82.04% |
| Liquid assets / assets | 24.36% (p49 of band) | |
| Uninsured deposits / deposits | 20.88% (p32 of band) | 25.97% |
| Brokered deposits | 1.66% | |
| Wholesale funding | 1.66% (p39 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.88% (p31 of band) | 10.81% |
| Unrealized securities loss / equity | -2.95% (p73 of band) | -8.10% |
| AOCI / equity | -0.18% (p60 of band) | |
| ROA (annualized) | 0.96% (p30 of band) | 1.28% |
| Net interest margin | 4.48% (p82 of band) | 3.91% |
| Efficiency ratio | 72.31% (p78 of band) | |
| Noncurrent loans | 0.27% (p39 of band) | 0.43% |
| Net charge-offs (annualized) | 0.16% (p89 of band) | |
| Reserve coverage of noncurrent | 444.66% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 48.13% (p55 of band) | |
| Auto loans | $5.2M (2.45% of loans; DQ 2.06%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 22.2% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 0 |  | losing money, capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | capital falling | charge-offs p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent, capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 2 | reserve under noncurrent |  |
| 2015-09 | 0 |  | capital falling, reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 1 | capital falling | uninsured deposits leaving |
| 2016-09 | 1 | reserve under noncurrent | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | capital falling, charge-offs p90 |  |
| 2021-09 | 0 |  | capital falling, charge-offs p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 | AOCI drag >20% of equity | charge-offs p90 |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 1 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | charge-offs p90 |  |
| 2025-09 | 0 |  | charge-offs p90 |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-04 [Bank of Franklin acquires BankPlus McComb branch - Daily Leader](https://news.google.com/rss/articles/CBMijAFBVV95cUxNSzJVZTJnT2hOUXNQdFZTcmpHdHdTS3Zoc0pnTG1DRUE2MEc1eHZtenE4eHhVZUhtODE2cWl6UEpacVpRNmk4b2p3TFNmcTQ4MWduU1EzREkwci1md3phYmJNTUp2bG1OYjJOYW5IUERSbHdZOTBBNkZlX21QVEdBcUx2Tm11RVFEeW9GWA?oc=5) · Daily Leader
- 2025-08-26 [Bank of Franklin announces acquisition of BankPlus McComb br... - natchezdemocrat.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQalVZUXdFdFJ5M1NScmJxU1gwZ0h0MHVrOHowUWNkbEVRVmZnX1QyUGF2VXBxSFczMDVnaFM3aFE2b1ZoRWhHS25laGh0MFkyV0ZlQ1FoZVVoRmVkbWh0SF9FMHZNS21WVzBxU3pNYXZuRnFTX19oZEtteU9yajc3cHREa0lEYmV2dDFyQXRpOFBmb24zS0RuREp2cF9CUHlwRXJwdW5zQnVnXzly?oc=5) · natchezdemocrat.com
- 2025-08-30 [Bank of Franklin acquires BankPlus McComb branch - The Enterprise Journal](https://news.google.com/rss/articles/CBMihwFBVV95cUxQdzNxWjZtWjZDLWtpc2MtaDdkUm50NjRaYmdodFVmc1pIRk53SzhrWWV5ZGZOMC1oUDRKSXdTam96a0FNNlVSRlJETXhQdWtKZFRGUmJhRVZsSWk0SW9Zb2QwWlJXa1V6al9pLTdaLWpJWHFBcUF3LU5relluZ2pzSGdDZmpsMUU?oc=5) · The Enterprise Journal
- 2024-06-05 [Jones elected Mississippi Bankers Association chair - djournal.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxQeFlLMmNHNWRuRjJGTXBXOXd0T3A2V0Jid1ZOVloxVzB0S19OZGdFNlRibnRUVU5Va1YzWk5pbnpDSDltSWNXWXByc3pna0J3TmxtbTJqQUZfQ1RrOGdMdUpNeUJrbFVKZmJVOXB5WlF5dFZRc0NRWkZLUERlUjhZOWNqSHlCa0ltYUVIeGVVUDNhQ1gtSm4xZV9MUTU5TzBlaXNYTUh3QkJLOFNQdmZtaV9yVTRfVURnRUFwRmZsU1pIYXo1?oc=5) · djournal.com
- 2020-09-08 [Trio arrested after robbing bank, leading McComb police on high speed chase - WLBT](https://news.google.com/rss/articles/CBMipwFBVV95cUxORTBaQy13MklHRFBIaGdkbjJNZ2pDdmdpYjNKUnpGdElpZWJfQ0Y2V0prQTFkZExtVldNWXJEdmlraFJUYTJ2WjNSM3FKX2pwZUl3cTY0RFdXS2I5bUhQLTBkSGppZ2tyWE1jUzBfT2hQNUp2YVRSZmRaUENBMnY5eE5oWXJDNW5oRGhQbkdkYVpRWmZTUE9WR0VnS3p5bWlZMjRRdS0wUdIBuwFBVV95cUxNZWpUTVF4UGJZYVpQRTFzVnFDOU5IVlE1WVp4QXVEbVR5NTFxWDg3UlV3U2ZyT2l0dWZjM01FZXJ4MU8tLUU4bExhbkhXbWtKRHRpUXNEMHBHQXhRSnpEaHhCZHZOWVJfeVd2WG5PRUloSGVIU3RKWnpXT0lvYkJUNDBBenVFVFdnY1BPNlBfWWExU2VFSXRmcy1leVRwMUZqSnZJQW54QldHYVdyQVVnb3pGQXk2V0l4Z1Bn?oc=5) · WLBT
- 2026-07-17 [Courthouse Records: Civil cases, marriages, and deed transactions through June 25, 2026 - natchezdemocrat.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxQbVNWMkpydnlSUGJ2MlZEdHFqVjVkZkJOOHIybEtXa1dqZDB5NWJubEVQMFRua3Y1Nmt4LUNENHhvOGdXazJ6cS0xMnUtWkhURlZJNGZ1LVBrSjdKZFdDak84emxVUDloV09FWnVhanliRExfeFYxZzZ3cmxBR0Izcjc2NEZXT0M4MXdHQy1xVW5pVTNUcmRaVE05TEZMTWxpMnU3WnNYdnlGUmdzUE5jTzk2RU5mTWZ2OU50UXJqbldUSFFHRXNQYXR3WTI?oc=5) · natchezdemocrat.com
- 2021-06-16 [Treasury awards $1.82 million to Bank of Brookhaven, 51 other MS institutions - Daily Leader](https://news.google.com/rss/articles/CBMisAFBVV95cUxPdmhObUZYbVdJMEtYaVVpVHVldWxYd1FxdTBTaDROM2hUMDFCWUFsZkJkeUJsQTN6NDdqTVBYUTRiZHF1Yk5Vbzdpc0t3TzUyNWQtRS1vc29NMmtQUVU1aXpwdEoxSWYyc0VycVYwcnkyUUhhZmpLd25TZHRlNW53czJnbEF2aEZoNkxNeHZOR2NsTE9lX1F6aklpdm9FbUt4U3pUcTAzTXM3VjJPZ0xJdg?oc=5) · Daily Leader
- 2022-03-25 [Deeds of trust filed 12.03.21 - Daily Leader](https://news.google.com/rss/articles/CBMic0FVX3lxTE1OOVR6OHF0dmFCZGR5NmhrWjFLYnI0czVRLTJPdmdZTHNodG80dGRNdVNpX0NrcEJNSkhYalM5eVh5ZTIwVmFLWkJrcGQwd09DNUc1RzlURmVuZW9VWFNVdHVrSy1wNENsa05mUHVfMHc4V2c?oc=5) · Daily Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10594 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "10594", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide