Total Assets
$409M
Total balance-sheet footings
FDIC Cert #35543 · Washington, Missouri · Est. 2000
Bank of Franklin County - FDIC Bank Health Profile
A community-scale look at Bank of Franklin County's own numbers, pulled straight from its quarterly FDIC Call Report.
- $409M
- Total assets
- B
- Health grade · Good
- 0.65%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Franklin County earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.46% Tier 1, 0.65% ROA, 76% efficiency ratio.
- #2,060
- largest of 4,313 FDIC banks by assets
- 52nd
- percentile by asset size, nationally
- 10.46%
- Tier 1 ratio - above the 10% well-capitalized line
- 22nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bank of Franklin County's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Franklin County's composite health score
Tier 1 Capital Ratio (10.46%) 28/40
Return on Assets (ROA) (0.65%) 14/25
Texas Ratio (1.16%) 20/20
Efficiency Ratio (75.52%) 4/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$342M
Customer-funded liabilities
Net Loans
$331M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Franklin County ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Franklin County's score of 66/100 falls in the highlighted band.
Bank of Franklin County's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Franklin County's $409M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.46%
Texas Ratio
1.16%
Equity Capital
$37M
Profitability metrics
Return on Assets (ROA)
22nd percentile nationally
0.65%
Return on Equity (ROE)
7.85%
Efficiency Ratio
75.52%
What the numbers say about Bank of Franklin County
Bank of Franklin County is an FDIC-insured institution (Certificate #35543) headquartered in Washington, Missouri, established in 2000. It holds $409M in total assets - 2,060th of 4,313 FDIC-insured banks, $342M in customer deposits, and $331M in net loans. Capital-wise, the Tier 1 ratio sits at 10.46%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.16%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Franklin County sits 82nd of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$23M
Interest Income
$2M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Franklin County reports a Texas Ratio of 1.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Franklin County (FDIC Cert #35543) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Bank of Franklin County's health grade?▼
Bank of Franklin County receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bank of Franklin County?▼
Bank of Franklin County holds $409M in total assets and $342M in deposits, ranking 2,060th of 4,313 FDIC-insured banks by asset size. It is headquartered in Washington, Missouri.
Is my money safe at Bank of Franklin County?▼
Yes, deposits at Bank of Franklin County (Certificate #35543) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Franklin County's Tier 1 Capital Ratio?▼
Bank of Franklin County has a Tier 1 Capital Ratio of 10.46%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Franklin County?▼
Bank of Franklin County has a Texas Ratio of 1.16%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Franklin County?▼
Bank of Franklin County has an Efficiency Ratio of 75.52%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Franklin County's profile as a depositor or analyst.
- Bank of Franklin County's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Franklin County against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.