Franklin Bank (FDIC #30402): Bank Stress & Real-Estate Credit Exposure

Franklin Bank (FDIC Cert #30402): bank stress 80/100, severe, STABLE over 7 days.

Franklin Bank (#30402) lends in 3 counties across 1 state; Franklin Bank (#30402) reaches 57 ZIP codes: New Jersey 3 counties, 57 ZIPs.

Franklin Bank (#30402) largest markets: Gloucester County, NJ (62 branches, 31 ZIPs) (#30402), Cape May County, NJ (16 branches, 16 ZIPs) (#30402), Salem County, NJ (56 branches, 14 ZIPs) (#30402).

Franklin Bank (#30402) reports $334.1 million in total assets; Franklin Bank (#30402) equity $30.8 million (9.2% of Franklin Bank (#30402) assets); Franklin Bank (#30402) domestic deposits $301.3 million; Franklin Bank (#30402) net income $1.1 million; Franklin Bank (#30402) return on assets 0.68%; Franklin Bank (#30402) return on equity 7.50%; Franklin Bank (#30402) net interest income $6.0 million; Franklin Bank (#30402) call report June 30, 2026.

Franklin Bank (#30402) noncurrent real-estate loans 0.01% of its book; Franklin Bank (#30402) net charge-offs on real estate 0.14%.

Franklin Bank (#30402) net interest margin 3.79% against an eight-quarter Franklin Bank (#30402) average of 3.57% (Franklin Bank (#30402) compression -0.22 points); Franklin Bank (#30402) real-estate loans 1.2% of equity; Franklin Bank (#30402) rate-exposure score 40/100, Franklin Bank (#30402) fixed-rate trap 40/100; Franklin Bank (#30402) risk type credit driven; Franklin Bank (#30402) rate regime rates elevated, Franklin Bank (#30402) snapshot October 19, 2026.

Franklin Bank (#30402) stress score moved from 81.6 on June 22, 2026 to 79.8 on October 19, 2026; Franklin Bank (#30402) ranged 79.8 to 81.6 over 116 snapshots.

Franklin Bank (#30402) alerts: 3 counties; top Franklin Bank (#30402) alert scores: Ocean View County, NJ 26 (low); Swedesboro County, NJ 26 (low); Woodstown County, NJ 26 (low).