# FRANKLIN BANK
PILESGROVE, NJ · FDIC certificate 30402 · 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 | $334.1M | |
| Deposits | $301.3M | |
| Loans and leases | $214.8M | |
| Total equity | $30.8M | |
| Loans / deposits | 70.70% (p26 of band) | 82.04% |
| Liquid assets / assets | 31.35% (p67 of band) | |
| Uninsured deposits / deposits | 13.71% (p10 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.28% (p41 of band) | 10.81% |
| Unrealized securities loss / equity | -17.22% (p27 of band) | -8.10% |
| AOCI / equity | -0.18% (p60 of band) | |
| ROA (annualized) | 0.68% (p17 of band) | 1.28% |
| Net interest margin | 3.79% (p43 of band) | 3.91% |
| Efficiency ratio | 78.55% (p87 of band) | |
| Noncurrent loans | 0.15% (p28 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p60 of band) | |
| Reserve coverage of noncurrent | 549.52% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 47.35% (p54 of band) | |
| Auto loans | $652,000 (0.30% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 66 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | securities losses >30% of equity, losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | expense ratio p90 |
| 2011-09 | 2 |  | losing money |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | capital falling, losing money | securities losses >30% of equity |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | losing money |
| 2013-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 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 | 1 |  | expense ratio p90 |
| 2015-09 | 2 | expense ratio p90 |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | expense ratio p90 |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | expense ratio p90 |  |
| 2021-03 | 3 | charge-offs p90 |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 | NIM <2.5% | charge-offs p90 |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | capital falling |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | expense ratio p90 |
| 2023-03 | 2 | expense ratio p90 | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | deposits shrinking, assets shrinking | expense ratio p90 |
| 2024-03 | 1 |  | deposits shrinking, assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 | capital falling | securities losses >30% of equity |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 1 | expense ratio p90 |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | expense ratio p90 |
| 2026-06 | 0 |  |  |

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

- 2026-03-08 [Franklin Bank Announces New President and CEO - Front Runner New Jersey](https://news.google.com/rss/articles/CBMilAFBVV95cUxNSkZ1d2NpX1h3Y1VSd0RJSUszUzhWQ0hEU0g5VDdOc3JjdTBxcGprdGl0cm1ySFk1amtUVU9ENE1HZE4tbGJxdmkySVhfTjU2dzBiU002bktKelBseHdiOGVmTXE0NnlXZGlpemhBcjFMTDdCU3FoNm1tWHY0X2lBOWVzMnJ2RlNhU2xqeVpCa2dvR0c4?oc=5) · Front Runner New Jersey
- 2026-02-01 [30 Under 40 Top Black Leaders of South Jersey Sponsored by Franklin Bank - Front Runner New Jersey](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNSGxYNVNkc2FCeFZlRXhfYU1UcVVuNkNuTEVhM3N1SmRmWTNtenJxWlZ5NXIxNDBwRndSSG5JbmFmNF9qUTNkUkViLThCMm5YaFRxRGxXclZmZ2NURklSN2NyRk1OelowM1hOdFU5VXd4cnBoYTVzd1NPaTI5SzZibTNkNmh1STJMY1VNNTcwTU9DczBWQ2ZEYWlfNmRMS3d3Qjk0c0hnMjNvTW5xdm1GR3VfR2d4cVkt?oc=5) · Front Runner New Jersey
- 2022-08-23 [Man robbed Franklin bank, fled on motorcycle: police - Central New Jersey News](https://news.google.com/rss/articles/CBMipAFBVV95cUxNa1cxRUQtZnF2RTNNaUdEWGV1eFk3MkQ2TTFtek05ZlhWS2Ezc0hia1lUcWRNdDFERGtqQjI3UEdQaEVtOFJkYkxwc0xydnBsSG51cEgtUGljWWJ0aVR1d01CZlN6YTVNY1d1Mk1hZkpWQ3hMYUZNVHkxYlR0LTlteWZKcF9MdXlSdmc4Y19KTEluZGxhcy1TUVJDaUpMLWF6VG5qTQ?oc=5) · Central New Jersey News
- 2023-05-11 [Philly mural tells the story of a bank, a neighborhood, a city, and an artist’s on-the-job learning experiences - Inquirer.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPR3cwV2RWbUxfS3VfeWppT3hxbEIxMjhaUVlOTFdqZG9oMjRzNmc4enQ3aG1GZGEyOGtJQkZBY0FjS3I3dWJUVjZ3X3FjcjI1ZkFvd0NPbUdka1pKQnlFeVp4b3pBMVdidW1jZm8yQ0cwOTV1QlRWSUV0RTlFTF81SFZueFZ2R215X3VpTTBhcjRnMWtfaWdZS2RZTTlybHdEaUV6bEdB?oc=5) · Inquirer.com
- 2025-06-21 [David Lindstrom Obituary Jun 21, 2025 - wildefuneralhome.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE10aG11RDJBVlNCbmlZdncxNnBNWU5sV0NaSUFfTlgxdEJ1WmdFaXR4MFZUNU44c0dGbVlhQWhuTnhBanJTVEpkRVB1dkxUY2tneUpzbU9MMml3Q0p0dWgwZXViN2YwRmc1dUtj?oc=5) · wildefuneralhome.com
- 2017-11-06 [Hillsborough Man Charged In 2 Franklin Bank Robberies - Patch](https://news.google.com/rss/articles/CBMilwFBVV95cUxNVG11QzZWYno2RkpacXg0UjE2SWJFblZHSnZZMzQ1a0hDdExuN3pCQlF5NFVkMGJLTE9XaTM4a1ZYdWtvQzhUOEpabzhoNENUM0pwTm5veUlheXhEazZWM0tlS095dmw2d3pOeGx3OGxUNVR3aHVRWWtrNXlqdnlyc1R0YlEyblhRZnNQaHVHLXcyOVBJRU9j?oc=5) · Patch
- 2023-04-06 [Prosecutor: Bank robbery by motorcyclist involved NJ stuntman and his brother - New Jersey 101.5](https://news.google.com/rss/articles/CBMidkFVX3lxTE41dzRCaG9GaUxpN3hzMWE1N095elYxc2FFSklqZjByV3hFalFoV3Rsam5YdFMweUstdXhCbGdwdlBJUnVyZy1lOXdxMDJXeXpoeFZtdkRMYzNYZnVLMVhPNENTZ1hKazNsaG4teVM3M0UtTTVqa1E?oc=5) · New Jersey 101.5
- 2015-03-24 [Franklin Bank promotes two to senior vice president - NJ.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNQ3JFM2s1NndjRnlkbXIwcTBXZVBwYkpMbEp0bzlVbTVRRlNSelM4RkpZal9BZjZlem1MS3B2dGloS05Bb0hnWmJTdDM3QjhGWnZNNl9rT3NpSzZfSFk0RGIwYjlPQk83T1AxU3FPU0xZaUVHZlU4dUYyLXNCQ0Yxa2FpY3VfdW8?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30402 (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/2.json (key "30402", 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.

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