Total Assets
$261M
Total balance-sheet footings
FDIC Cert #10594 · Meadville, Mississippi · Est. 1912
Bank of Franklin - FDIC Bank Health Profile
A community-scale look at Bank of Franklin's own numbers, pulled straight from its quarterly FDIC Call Report.
- $261M
- Total assets
- B
- Health grade · Good
- 1.33%
- Return on assets
- 12.4%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Franklin earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.43% Tier 1, profitable at 1.33% ROA, 64% efficiency ratio.
- #2,686
- largest of 4,313 FDIC banks by assets
- 38th
- percentile by asset size, nationally
- 12.43%
- Tier 1 ratio - above the 10% well-capitalized line
- 66th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bank of Franklin's 79/100 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's composite health score
Tier 1 Capital Ratio (12.43%) 35/40
Return on Assets (ROA) (1.33%) 20/25
Texas Ratio (6.67%) 16/20
Efficiency Ratio (64.23%) 8/15
79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$213M
Customer-funded liabilities
Net Loans
$188M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Franklin ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Franklin's score of 79/100 falls in the highlighted band.
Bank of Franklin'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's $261M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.43% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.43%
Texas Ratio
6.67%
Equity Capital
$31M
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.33%
Return on Equity (ROE)
11.39%
Efficiency Ratio
64.23%
What the numbers say about Bank of Franklin
Bank of Franklin is an FDIC-insured institution (Certificate #10594) headquartered in Meadville, Mississippi, established in 1912. It holds $261M in total assets - 2,686th of 4,313 FDIC-insured banks, $213M in customer deposits, and $188M in net loans. Looking at capital strength, Tier 1 stands at 12.43%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 6.67%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (79/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Mississippi, Bank of Franklin ranks 45th of 57 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$16M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Franklin reports a Texas Ratio of 6.67% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.67% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Franklin (FDIC Cert #10594) - 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 Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Hancock Whitney BankGulfport | $35.5B | A | 1.41% |
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| Community Bank of MississippiFlowood | $5.0B | B | 0.89% |
| BankFirst Financial ServicesColumbus | $3.3B | B | 1.04% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |
Frequently asked questions
What is Bank of Franklin's health grade?▼
Bank of Franklin receives a health grade of B (79/100) 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?▼
Bank of Franklin holds $261M in total assets and $213M in deposits, ranking 2,686th of 4,313 FDIC-insured banks by asset size. It is headquartered in Meadville, Mississippi.
Is my money safe at Bank of Franklin?▼
Yes, deposits at Bank of Franklin (Certificate #10594) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Franklin's Tier 1 Capital Ratio?▼
Bank of Franklin has a Tier 1 Capital Ratio of 12.43%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of Franklin?▼
Bank of Franklin has a Texas Ratio of 6.67%. A ratio below 50% is generally considered 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?▼
Bank of Franklin has an Efficiency Ratio of 64.23%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Franklin's profile as a depositor or analyst.
- Bank of Franklin's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Franklin against other Mississippi banks before moving funds. Mississippi 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.