FDIC Cert #30402 · Pilesgrove, New Jersey · Est. 1861

Franklin Bank - FDIC Bank Health Profile

A community-scale look at Franklin Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$334M
Total assets
B
Health grade · Good
0.45%
Return on assets
17.2%
Tier 1 capital

Data updated July 2026

The verdict

Franklin Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 17.22% Tier 1, 0.45% ROA, 83% efficiency ratio.

#2,337
largest of 4,313 FDIC banks by assets
46th
percentile by asset size, nationally
17.22%
Tier 1 ratio - above the 10% well-capitalized line
14th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 30402 · NJ B · 67/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • MID-PACK #3217/4307
  • PHOTO-FINISH Geddes Federal Savin… · NY
  • TIER1-WELL 17.2% Tier 1
  • TEXAS-CLEAN 1.3% Texas
  • ROA-THIN 0.45% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Jersey: Geddes Federal Savings and Loan Association, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Franklin Bank

Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Abbeville Building &… · LA ·…67/100Franklin Bank · NJ · this ba…67/100Geddes Federal Savin… · NY ·…67/100Morganton Savings Ba… · NC ·…67/100Tecumseh Federal Bank · NE ·…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Franklin Bank · July 2026

What Franklin Bank's Call Report plate shows

Franklin Bank (FDIC Cert #30402) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,217 of 4,307. Tier 1 capital prints at 17.22%, clearing the 10% well-capitalized line. The Texas Ratio is 1.30%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.45%. Balance-sheet scale is $334M, 2,337th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Geddes Federal Savings and Loan Association (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Franklin Bank

8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)

Franklin Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Franklin Bank remains an active FDIC-insured reporter.

  • CITY NATIONAL BANK OF NEW JERSEY NEWARK, NJ 2019 → INDUSTRIAL BANK
  • HARVEST COMMUNITY BANK PENNSVILLE, NJ 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FORT LEE FEDERAL SAVINGS BANK, FSB FORT LEE, NJ 2012 → ALMA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Jersey banks.

How Franklin Bank's 67/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10067/100
Franklin Bank's composite health score
Tier 1 Capital Ratio (17.22%) 40/40
Return on Assets (ROA) (0.45%) 7/25
Texas Ratio (1.30%) 20/20
Efficiency Ratio (83.24%) 0/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$334M

Total balance-sheet footings

Total Deposits

$302M

Customer-funded liabilities

Net Loans

$210M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.82% 17.22% 18.62%
Basel III capital ratios - Franklin Bank

Where Franklin Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Franklin Bank's score of 67/100 falls in the highlighted band.

Franklin Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 25th percentile higher than 25% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Franklin Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Franklin Bank'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). Franklin Bank's $334M falls in the highlighted band.

Safety ratios for Franklin Bank

Tier 1 capital ratio
Well-capitalized 10%

17.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.22%
Texas Ratio
1.30%
Equity Capital
$30M

What these ratios mean →

Profitability metrics: Franklin Bank

Return on Assets (ROA)
14th percentile nationally
0.45%
Return on Equity (ROE)
5.28%
Efficiency Ratio
83.24%

What these mean →

Income & expense at Franklin Bank

$14M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Franklin Bank reports a Texas Ratio of 1.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Franklin Bank on FDIC BankFind →

Top banks in New Jersey by total assets

Largest banks headquartered in New Jersey
  1. 1
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  2. 2
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  3. 3
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

Top 5 banks in New Jersey ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($334M here), outside New Jersey so the neighborhood is not state containment.

City Bank & Trust Co. $334M · NE Exchange Bank Co. $335M · MO Bank of Alma $334M · WI The Citizens State Bank $335M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Franklin Bank (FDIC Cert #30402) - 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.

Franklin Bank Call Report profile · FDIC Failed Bank List · New Jersey FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Jersey

All New Jersey banks →
BankAssetsGradeROA
Valley National BankPassaic $64.1B B 0.99%
Provident BankJersey City $24.9B A 1.28%
OceanFirst Bank, National AssociationToms River $14.5B B 0.61%
ConnectOne BankEnglewood Cliffs $14.0B A 0.77%
Columbia BankFair Lawn $11.0B B 0.48%
Cross River BankFort Lee $8.1B C 0.29%
Kearny BankKearny $7.6B C 0.43%
Peapack Private Bank & TrustBedminster $7.5B C 0.57%