# FRANKLIN SAVINGS BANK
FRANKLIN, NH · FDIC certificate 17951 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $931.4M | |
| Deposits | $776.1M | |
| Loans and leases | $732.1M | |
| Total equity | $82.3M | |
| Loans / deposits | 93.49% (p78 of band) | 82.04% |
| Liquid assets / assets | 17.07% (p22 of band) | |
| Uninsured deposits / deposits | 22.65% (p39 of band) | 25.97% |
| Brokered deposits | 0.39% | |
| Wholesale funding | 7.40% (p68 of band) | |
| FHLB advances / assets | 7.01% | |
| Tier 1 leverage | 9.75% (p28 of band) | 10.81% |
| Unrealized securities loss / equity | -13.52% (p35 of band) | -8.10% |
| AOCI / equity | -0.65% (p35 of band) | |
| ROA (annualized) | 1.09% (p38 of band) | 1.28% |
| Net interest margin | 3.35% (p22 of band) | 3.91% |
| Efficiency ratio | 61.91% (p52 of band) | |
| Noncurrent loans | 0.50% (p54 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 180.19% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 44.84% (p52 of band) | |
| Auto loans | $78,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 105 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | expense ratio p90 |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 2 |  | reserve under noncurrent |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | expense ratio p90 |
| 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 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 0 |  | securities losses >30% of equity, capital falling |
| 2024-03 | 1 | securities losses >30% of equity |  |
| 2024-06 | 1 | NIM <2.5% | securities losses >30% of equity |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | NIM <2.5% |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-05-25 [Franklin Savings Bank Gives $1,000 To CASA Of NH To Support Child Advocates - Patch](https://news.google.com/rss/articles/CBMirAFBVV95cUxNYklNUWZGa0xEXzJUdERUXzJ2OEJSSkFIVnozXzRTRGhRcl9HdmJ5LUUwc1F1b2ltOXdrMmhIUWo5c21acHFsYU91eW5Mam91N0VGY1A4Z2FqcWlzcmU4ZjdCNjVHV1EzRlhuVm1HdE5fQzdKekRBYWljdThYRTNDR3JYSWsyRHVScGJWbEtrdTFPcmFzVTd5bWlwYlpJZ1huYWRxWGNTYk5Sa1B1?oc=5) · Patch
- 2025-11-18 [Boscawen Police arrest suspected serial bank fraudster, work with FBI on broader investigation - concordmonitor.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE9xS1JDeGRoRHUyX0o4RkEzM3lGOUVOYnhfeS1YOWI4QXZGVVZkNlBmSV9FakRhMFNGYXo5Y3N5VnFKYUItT3pXQjVvZUdrLTFmQl8yeGlaVjlZc3RqYkFLeGVTc2VwMDd5YWpjX2dhNUlKaWFyUlNkNw?oc=5) · concordmonitor.com
- 2026-03-25 [Franklin Savings Bank Grant Supports New Music Room At Tapply-Thompson Community Center - Patch](https://news.google.com/rss/articles/CBMirwFBVV95cUxQTkpQNHR2dmIycHVyaUlITlVvbE52NnlDSVBuTkg3cGhRU1dqOEdpNnNYTGRGeUVqbDhPYnk4QmxCVGZUOHpZS20wYmJHT0dubktxV3pCVjBnMWhZT3YwTmZrZGRPN3dhdVlzeGlzUzZLc3hONnZ1Q2o0aXFtejRjVG9KdEtLNWtTRUVWZmFYTGZ1WWRTZzAzYVRNWVhiUHdLV2hQU01rZ3k3aUF2U1hn?oc=5) · Patch
- 2022-03-21 [Franklin Savings Bank accepting applications for its Fund for Community Advancement - nhbr.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQTkl0ZW5BdjE5Mk1VWDVyb0Fnd2h5MGczY0tTcDFEblhOdS10MHp4cEh1TG5sUmp2eWRTYXR1YTFsRy1oajBEdGZZLXptbElrcks1WGhNRnRXZWxIU3F1dHJreHBEclZlOEFyajByMktXYVhrM3dFaEo2LUxTekZoTmM1N1J3QlVQa2xOVE9CQUp1Ykc4SW5XNWlsX0s2Y1NGQ0lxeVZlQ0I?oc=5) · nhbr.com
- 2024-07-01 [New Leaders You Should Know: Brian Bozak - Business NH Magazine](https://news.google.com/rss/articles/CBMiigFBVV95cUxNUWhsSDBQNWxwNUhfcmxOUlA1S3pFT0VITlkzVzdhN0JxMVg0WFZvd1hXcU1oU2Y2UUFaaFBrV3NKZ3JmUk5TR3gtOEFMREhpRUp6Znc3SkthOGJyLTQ2Vk1HOXluMm5NRk5nNFFZbTdpTktOblc1cVdWX0hfSTBDTElQN1MtcGtNNnc?oc=5) · Business NH Magazine
- 2015-08-14 [Masked man armed with gun robs Franklin bank - WMUR](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQVGFSa0hyMURHUFM2N09tS2ZhdHRrWWZHUnpMVWhYSVgzd3RhMmZLc3dtU0JDVTM2b1h0dTRQWTh5VEhGdlprYi1SYk1tTnpuZkpsRTVQOG5DMDFPelZXR0J6bHpjSXRfdG95R0p0dUZOWDFNaVRMX2RZLVFlSUtQOXV5MDVTTGty?oc=5) · WMUR
- 2016-07-30 [Amanda Look to lead new Franklin Savings Bank Business Center in Ellsworth - Daily Bulldog](https://news.google.com/rss/articles/CBMirgFBVV95cUxOdTBWR0JVUGUxYXVJVjNsMHNuMzlJV1lsZEQzc3BYMTRxbmpUdjhrNkZ2Q1dKanFHRFdtRFctQkxnRmdVdEhNdFE0THpOODE0ZEVscnFBQ0hzMmFvcXl5WGtEWU80WFhHV1BKTkx4Z0tFZl9nQ2RKNGZYN3hKMTM0NG93SG0tckZ3VlliZkZQQTIySUluYmtxdnY3b1hpYXdDTVhsSlEwQ2JkQW1Iamc?oc=5) · Daily Bulldog
- 2022-08-22 [Franklin Savings Bank welcomes Mark W. Wilson as VP, credit manager - The Laconia Daily Sun](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOazNWR0ktMUM1aXpfSDBqSzVkdnVvd2dENzlXbm1qTHp0Um9YeVNQb0ZGSzdGSENDZ21uRXF2R0RqbU5HRXFDMHNYUU5uSmNYYm9kcXQ4X0wxNUxGclZLUWN4Rm4wdXpqemN2eUtmR3BBLVBnTVVtaGJiVERIaHdRWTRQVVBaSUhuZHRqN05UUUlWQ1JjMWNhSFhBYnVUcXNLQXdmZFhOOGVRRXdHYUxFaHQtWk9CVTJJT3NfdngtcEJmWVVUbk52NGJzQXBMODFLd3hMUUR1bUNHa09hbHkwa0luMWVnY1Qwc01lVk9SQXkyUF9r?oc=5) · The Laconia Daily Sun

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17951 (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/31.json (key "17951", 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