Total Assets
$334M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$302M
Customer-funded liabilities
Net Loans
$210M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
14th percentile nationally
0.45%
Return on Equity (ROE)
5.28%
Efficiency Ratio
83.24%
What the numbers say about Franklin Bank
Franklin Bank is an FDIC-insured institution (Certificate #30402) headquartered in Pilesgrove, New Jersey, established in 1861. It holds $334M in total assets - 2,337th of 4,313 FDIC-insured banks, $302M in customer deposits, and $210M in net loans. Looking at capital strength, Tier 1 stands at 17.22%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.30%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (67/100), 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 New Jersey, Franklin Bank ranks 42nd of 51 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in New Jersey by total assets
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.
Other banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Franklin Bank's health grade?▼
Franklin Bank receives a health grade of B (67/100) 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 Franklin Bank?▼
Franklin Bank holds $334M in total assets and $302M in deposits, ranking 2,337th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pilesgrove, New Jersey.
Is my money safe at Franklin Bank?▼
Yes, deposits at Franklin Bank (Certificate #30402) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Franklin Bank's Tier 1 Capital Ratio?▼
Franklin Bank has a Tier 1 Capital Ratio of 17.22%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Franklin Bank?▼
Franklin Bank has a Texas Ratio of 1.30%. 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 Franklin Bank?▼
Franklin Bank has an Efficiency Ratio of 83.24%. 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 Franklin Bank's profile as a depositor or analyst.
- Franklin Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Franklin Bank against other New Jersey banks before moving funds. New Jersey 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.