# FRANKLIN SECURITY BANK
WILKES BARRE, PA · FDIC certificate 35113 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $219.8M | |
| Deposits | $164.5M | |
| Loans and leases | $157.0M | |
| Total equity | $25.2M | |
| Loans / deposits | 94.50% (p92 of band) | 68.03% |
| Liquid assets / assets | 26.81% (p30 of band) | |
| Uninsured deposits / deposits | 20.68% (p80 of band) | 12.24% |
| Brokered deposits | 18.19% | |
| Wholesale funding | 31.32% (p99 of band) | |
| FHLB advances / assets | 13.13% | |
| Tier 1 leverage | 11.67% (p69 of band) | 10.34% |
| Unrealized securities loss / equity | -2.28% (p27 of band) | -0.15% |
| AOCI / equity | 1.95% (p76 of band) | |
| ROA (annualized) | 0.16% (p14 of band) | 0.74% |
| Net interest margin | 2.80% (p13 of band) | 3.59% |
| Efficiency ratio | 82.53% (p67 of band) | |
| Noncurrent loans | 0.70% (p43 of band) | 0.94% |
| Net charge-offs (annualized) | 0.31% (p90 of band) | |
| Reserve coverage of noncurrent | 142.36% | |
| Real estate % of loans | 34% | |
| Construction % of loans | 3.87% (p26 of band) | |
| Auto loans | $69.4M (44.20% of loans; DQ 0.34%, NCO 0.17%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, reserve under noncurrent, auto book souring |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | reserve under noncurrent |
| 2012-03 | 6 | capital falling, reserve under noncurrent, deposits shrinking |  |
| 2012-06 | 4 |  | reserve under noncurrent, deposits shrinking |
| 2012-09 | 5 | reserve under noncurrent |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 3 |  | capital falling, reserve under noncurrent |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | losing money |  |
| 2014-03 | 4 | charge-offs p90 | losing money |

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

- 2025-07-25 [Jesse Sterowski - The Citizens' Voice](https://news.google.com/rss/articles/CBMifkFVX3lxTE5lOXMyRDF4bGNEMm9kcHhlWTNiLTlCSlpYMURDVTY3elBxMkdHbkF0Q0E0aEVjQkZZMlZwVVMtWC1xTXVoNzlRZzloYlQ0Z2RmRUkxRlZVSXFrQWlyUWRnam5qc3JnWkh4RC11MFhGLVRoU0R2dzd1U0hPLXlQdw?oc=5) · The Citizens' Voice
- 2013-05-08 [Temple to confer three honorary degrees at 2013 Commencement - Temple Now](https://news.google.com/rss/articles/CBMimAFBVV95cUxObHZxRjNtM0dLdExhWGQ5QVpmclpBYW1TSDE0eW5ZSmtGSmRVQnNQd0d1RWJFRDV3YURRUDR6Y3NOUmtFTFpIcWtwNGh1YVc4VEZuY1F6SDdaNUJ5OU9aS1BVWlJWTDdHU29Uc0w0NkNmUzR2dThrdkdpRGdmR1NyVW1UU0dWbmo0VDhKYnJqRUJHUTdKS3lzRQ?oc=5) · Temple Now
- 2013-04-29 [News Post - Misericordia University](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBINGJ1QUJMTTRWcXNCMG9fQ2xRSFdXdVpoZjVMa1VoQ1lGQzlXc2ZaYnk5UjJtOERqbGxpWnBoRDhtZkxfWnNJSGV0VkwzT21TbTZHYTlzOFJtNG1uTEJQOXRDWTZLQQ?oc=5) · Misericordia University
- 2009-09-25 [Semian & Gress becomes Semian Real Estate Group - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMilAFBVV95cUxNYTU3ZTJKYkFQU0ItVTZELTZEOUtrbmhULVpwNkt1VkVkMEhQVFo5aDI0RG5pX1p4a1dWa1ZTNFlGdjNvYnVDUmhHUVpyQl9uUk8tVmkyNnpxUVM3TE12b1dOMmxreFFyZVhNaksxUWdWWWVjVzF1T1F6YTJNYjlWRkVtVXdiYnU2b2RDYlhydFBZRGVN?oc=5) · Scranton Times-Tribune
- 2010-07-18 [Jonathan Micheal Sperlazzo - The Citizens' Voice](https://news.google.com/rss/articles/CBMijAFBVV95cUxQaENPcnkxcU9Sb05qTXFHUmE2Y0dCMWZOYXBDOWJCSTdMZUs3a2xHOGNCZUdPWGJHRVhWM0hKVDgwTk1zT0I2bWY4Y2FhN25TTng3bzQ1MlF0LWZvWnpNM2JYZE5QYU9UZkFxbDQ5YlpBZEVvcU5NUlpwVEdOT1hNTGZJNDVXejZkOEI3Qw?oc=5) · The Citizens' Voice
- 2013-09-07 [Republican nominee for mayor has history of unpaid debt - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMiogFBVV95cUxQUldKclhPa0JPUEdheVlIcUU4Q3ZrSy12TTRVdmhIOXFOR3RHMmtPY3NYakE1WFJDRHl4R05palp6R3NjbnNGUUQ2Nk11Xzk5VkZRQVN0bUlDMnFxdm5VMGNUVjI4UkJxXzNiMXlfT3AzLThtbUgxVFpoZFhqZ3N1VHJEWGcycHJ1MGlUWnVtblV3cHR3NW05VGkwWFRvU1dNZ2c?oc=5) · Scranton Times-Tribune
- 2013-09-29 [Two towns, two parties, one man - The Citizens' Voice](https://news.google.com/rss/articles/CBMie0FVX3lxTE85a3RJN0l1N1JPQ0llZk43Q0ZoTkFZVjNhd2hWMGljdUlkQXF3VmlLSUJiRGRVVXEweTZGX01yaHR3NXlkNUVvc2I5RTJjc1VNc09yRGNxSzNwLUIxMnJsZzRVVWsyRm5tUjlLY25FVkwxVkVoVjkxRDNxSQ?oc=5) · The Citizens' Voice
- 2015-05-17 [Real estate developer to receive service award - The Citizens' Voice](https://news.google.com/rss/articles/CBMikgFBVV95cUxNRWF2VkRySU9GZFdfVWIzMlJyYllmR2ZFeV9XVktyeWFQMmZndzlwTHd6SkNMMXBIMTE2LURUMUxROFNGTXlGVlNLWUtUNkctSFlXZGhaMlVFRUwxbzJTd0ctYkNldzhEc3JSOG1tVS1scGhzX1QyZGlEYU53WFUwYUlCc2hiVHRraU13TXlRcWliQQ?oc=5) · The Citizens' Voice

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35113 (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/41.json (key "35113", 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