# BANK OF FRANKLIN COUNTY
WASHINGTON, MO · FDIC certificate 35543 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $419.4M | |
| Deposits | $357.5M | |
| Loans and leases | $345.7M | |
| Total equity | $37.3M | |
| Loans / deposits | 95.58% (p83 of band) | 82.04% |
| Liquid assets / assets | 11.95% (p9 of band) | |
| Uninsured deposits / deposits | 11.94% (p7 of band) | 25.97% |
| Brokered deposits | 0.87% | |
| Wholesale funding | 6.26% (p64 of band) | |
| FHLB advances / assets | 5.23% | |
| Tier 1 leverage | 9.53% (p24 of band) | 10.81% |
| Unrealized securities loss / equity | -10.12% (p43 of band) | -8.10% |
| AOCI / equity | -0.24% (p57 of band) | |
| ROA (annualized) | 0.74% (p19 of band) | 1.28% |
| Net interest margin | 3.82% (p45 of band) | 3.91% |
| Efficiency ratio | 73.87% (p81 of band) | |
| Noncurrent loans | 0.27% (p40 of band) | 0.43% |
| Net charge-offs (annualized) | 0.17% (p90 of band) | |
| Reserve coverage of noncurrent | 431.18% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 117.94% (p92 of band) | |
| Auto loans | $1.3M (0.38% of loans; DQ 0.46%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 74 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  | expense ratio p90 |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 2 |  | losing money, charge-offs p90, capital falling |
| 2012-06 | 6 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 7 | noncurrent p90 |  |
| 2012-12 | 7 |  |  |
| 2013-03 | 2 |  | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving, noncurrent p90 |
| 2013-06 | 2 | charge-offs p90 | construction >100% equity |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | capital falling, charge-offs p90 |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | construction >100% equity |  |
| 2019-03 | 1 | capital falling | construction >100% equity |
| 2019-06 | 2 | construction >100% equity |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 0 |  | construction >100% equity |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | charge-offs p90 |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, construction >100% equity |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 2 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 2 | construction >100% equity, uninsured deposits leaving |  |
| 2023-09 | 2 | capital falling | uninsured deposits leaving |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | construction >100% equity |
| 2025-12 | 2 | construction >100% equity, uninsured deposits leaving |  |
| 2026-03 | 1 |  | uninsured deposits leaving |
| 2026-06 | 2 | charge-offs p90 |  |

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

- 2020-01-17 [Bank of Franklin County innovates its way to record profit - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPT2o4bU5mYkZEUWxFUkVuY3JqandEV2hfS25oMS1FUlpRUUZZRDdaQmlueFdMR2c1TWJGU3JWS3p5SUE0aExjVlpZZnJwRjdNakVwWDRISkZ2aGQwc2cxeE5jVVJOTTl6b2s2aWtVUU1XWnh4NHBrR0U0VkFZYjVFNmlvVTB0ZFdEMFZJbHh2NERnVUdQdTctbDlaOXN2RG50RHFB?oc=5) · The Business Journals
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMnhvQ3Z2UTJVaEVqSk1aTFZVYTI5TjJyc2ZJN085SzZiOHREWUFpUVB6NDBhZ3VKdWRPOWRsQ0pTU1VpSkdndnV0YmpKeEltRVZKa0NEUXpmWkVxSEltUGM0V084djNEVzFyV1VHd25sWjVjUEVjS2RmRzhBb0tPQUROYw?oc=5) · Newsweek Rankings
- 2026-08-05 [PHOTO GALLERY: Brinker named 2026 Washington Town & Country Fair Queen - Missourian | Washington, MO](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQVm9vUnF4Yi1UaVBiQVQyVWhjTGcwdGhkNDhwM2phNHdabjN4Q3lqWVZsWVRWZXlQSU9zUHctclZ6VFF0dVgyNzQ0MUpOWGJjTlFzRHpRaWw0TXFTYzFGV25adTVDREtYVzdsTGZBU09pM0pFQTk4NnYzWjh4dXR1YVQ1Vzk3OURlTDdfWlktOHdqNjhIUWtxaHc1OEdHeVVSNE9VVmRqdFB2ZXh3d0IyRXp1SHIzRGV0WWhsaFJWM1k3RURYT0xxNjVWRWszV0c2SFg0bEJtaDFfdGR6WHFOR0NsQTdxMDg?oc=5) · Missourian | Washington, MO
- 2022-08-04 [Most Influential Business Women 2022: Becky Buhr spearheads new HQ for Bank of Franklin County - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOM1k1eGtaeXpneWgtbHdhSVgwR2JQdWhQT0NaSWhSUVN6X2tKd242YUxTaUR5MS1haHR3a21pSmtoWlV1UmV3Um5sMm9SdTJSS0p6a0llMXFzbFN5cmFUWWsySHIyX0JEVW9sQ3NGUGRJXzlmSVFsczhDa0ZYZzNkQTU4RVVjYm5LQTFUaUlkVDM5VFFadVExTjhtM2VPTTJpT3R4cU41bw?oc=5) · The Business Journals
- 2024-12-11 [Walter Hellebusch Obituary (2024) - Washington, MO - The Missourian - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQZ2doRHZ5dEc0NlUtR1k2MWdpcEJFQUNIMDMxTU5iQXdGOXpyWGZQQlBtejBXSkRSUjNWSUItM01qWmRCMWRsT0hSNm5DTUJUaFJFc3BjRFdMcU9id1VVUF9FbE1HVVRIdlhJZk9NUUtiQV9ZZVVNWnh4UXdveTVjbzJ4dWlYYThGUi1SVG4wbEE3TldHWHpZ?oc=5) · legacy.com
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Missouri - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRDF3OFZvcm1iNjJwY0VPQmx6bVZJT19UcUFneHFaRmJXN2N5TndPa3lrM3A5ekFsUWVBSHBHaV9hRGNzcC12Q1JJcjlhZjRrbEFpTFJUTEtQUzJnczNNeEgyZzlJZzBnNW56cDFSN01zU0tad2lqYlVuTkk5TUR0R0xQWE9RaXFxYWEzM1dRZw?oc=5) · Newsweek Rankings
- 2021-08-10 [Town & Country Fair Livestock Auction sets new record of $864,169 - Missourian | Washington, MO](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNMGlkampFUGVFTlBMOFdsZVBNaDR5ang2cjRGcXFtelh6UUdpUkxfekw5Q1d4ajVhZDI4c3dPVHVOVXJIcXBVdjExR2JESEltUGpKa2tMaHhpUG5hWWpMMDNZNFl1N3BqSzk3TjFSQVBuS21QTU81Y1dMQklWdVRzWURMOVYwX0xoR0xld1F5Y1pneWs3YW5vQXlJMC1aMDZ0cFk2Ym5kVWN4c3lBRGZkd0RJVUJ0VVE4YjJhVERuWUU0VHBHUUhuekw0aWpLanBGSmVvU0hyeWxiSzRrMEc5czIyUlU?oc=5) · Missourian | Washington, MO
- 2025-06-24 [Missouri bank merger: Peoples Savings Bank set to grow to $757 million in assets with new acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOSTIydjFyYmx1bHpPY0xLa1NNMkVBWk4zb2ZaUkdJMHYyNFNFWFNSNTJBTDhYWE1ydG4xdEM4VUR5R3l1OGQ2R0QzNjZiV1hFWTd0TzdNZVV3RDBDR3NRM3pydEFmeXNISDF5Z1E2QTNqeENtSmZGYm5ra04tWnlmNDhKeDJNcUxKclM4WWloOC1WSGh2WlZlb0tXTUxpWU9NcjJuenhKbWVTRW8?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35543 (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/23.json (key "35543", 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