Franklin Savings Bank (FDIC #19836): Bank Stress & Real-Estate Credit Exposure
Franklin Savings Bank (FDIC Cert #19836): bank stress 43/100, contained, STABLE over 7 days; parent FSB BCORP MHC.
Franklin Savings Bank (#19836) lends in 4 counties across 1 state; Franklin Savings Bank (#19836) reaches 118 ZIP codes: Maine 4 counties, 118 ZIPs.
Franklin Savings Bank (#19836) largest markets: Hancock County, ME (41 branches, 41 ZIPs) (#19836), Oxford County, ME (35 branches, 35 ZIPs) (#19836), Somerset County, ME (26 branches, 26 ZIPs) (#19836), Franklin County, ME (108 branches, 18 ZIPs) (#19836).
Franklin Savings Bank (#19836) reports $786.9 million in total assets; Franklin Savings Bank (#19836) equity $141.2 million (17.9% of Franklin Savings Bank (#19836) assets); Franklin Savings Bank (#19836) domestic deposits $601.1 million; Franklin Savings Bank (#19836) net income $3.8 million; Franklin Savings Bank (#19836) return on assets 0.99%; Franklin Savings Bank (#19836) return on equity 5.50%; Franklin Savings Bank (#19836) net interest income $15.9 million; Franklin Savings Bank (#19836) call report June 30, 2026.
Franklin Savings Bank (#19836) noncurrent real-estate loans 0.08% of its book; Franklin Savings Bank (#19836) multifamily 1.47%; Franklin Savings Bank (#19836) net charge-offs on real estate 1.36%; Franklin Savings Bank (#19836) multifamily charge-offs 0.57%; Franklin Savings Bank (#19836) residential charge-offs 1.64%.
Franklin Savings Bank (#19836) net interest margin 4.42% against an eight-quarter Franklin Savings Bank (#19836) average of 4.01% (Franklin Savings Bank (#19836) compression -0.41 points); Franklin Savings Bank (#19836) real-estate loans 7.7% of equity; Franklin Savings Bank (#19836) non-residential real estate 163.9% of equity; Franklin Savings Bank (#19836) rate-exposure score 40/100, Franklin Savings Bank (#19836) fixed-rate trap 40/100; Franklin Savings Bank (#19836) risk type credit driven; Franklin Savings Bank (#19836) rate regime rates elevated, Franklin Savings Bank (#19836) snapshot October 19, 2026.
Franklin Savings Bank (#19836) stress score moved from 40.8 on June 22, 2026 to 42.8 on October 19, 2026; Franklin Savings Bank (#19836) ranged 40.8 to 42.8 over 116 snapshots.
Franklin Savings Bank (#19836) alerts: 4 counties; top Franklin Savings Bank (#19836) alert scores: Ellsworth County, ME 20 (low); Rumford County, ME 20 (low); Skowhegan County, ME 20 (low); Wilton County, ME 20 (low).