Total Assets
$917M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Franklin Savings Bank — FDIC Bank Health Profile
Franklin, New Hampshire · Est. 1869. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered SI FDIC Cert #17951 New York Region
C
Health grade
Fair
Score: 53/100
Basel III capital ratios — Franklin Savings Bank
Total Deposits
$795M
Customer-funded liabilities
Net Loans
$733M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
12.01% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
12.01%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$78M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.77%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
9.48%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
70.60%
Income & Expense Breakdown
$42M
Interest Income
$8M
Non-Interest Income
$23M
Non-Interest Expense
FDIC Deposit Insurance
Franklin Savings Bank is FDIC-insured (Certificate #17951). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Franklin Savings Bank
Franklin Savings Bank is an FDIC-insured institution (Certificate #17951) headquartered in Franklin, New Hampshire, established in 1869. The bank currently holds $917M in total assets and $795M in customer deposits, with $733M deployed as loans. It operates as a State chartered (SI) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Franklin Savings Bank reports a Tier 1 Capital Ratio of 12.01% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $78M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.77% and a Return on Equity of 9.48%, with an Efficiency Ratio of 70.60% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (53/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Franklin Savings Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in New Hampshire by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Franklin Savings Bank (FDIC Cert #17951) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Hampshire
All New Hampshire banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Mascoma Bank Lebanon | $3.0B | D | 0.52% |
| Bank of New Hampshire Laconia | $2.7B | C | 0.92% |
| Bank of New England Salem | $1.8B | D | 2.28% |
| Meredith Village Savings Bank Meredith | $1.6B | D | 0.43% |
| Merrimack County Savings Bank Concord | $1.4B | D | 0.27% |
| Savings Bank of Walpole Walpole | $839M | C | 0.78% |
| Primary Bank Bedford | $723M | A | 1.62% |
| Claremont Savings Bank Claremont | $621M | F | 0.43% |
Frequently Asked Questions
What is Franklin Savings Bank's health grade? ▼
Franklin Savings Bank receives a health grade of C (53/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Franklin Savings Bank? ▼
Franklin Savings Bank holds $917M in total assets and $795M in deposits. It is headquartered in Franklin, New Hampshire.
Is my money safe at Franklin Savings Bank? ▼
Yes. Franklin Savings Bank is FDIC-insured (Certificate #17951). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Franklin Savings Bank's Tier 1 Capital Ratio? ▼
Franklin Savings Bank has a Tier 1 Capital Ratio of 12.01%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Franklin Savings Bank? ▼
Franklin Savings Bank has an Efficiency Ratio of 70.60%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.