BlastPoint's Banking Scorecard
Franklin Bank & Trust Company
Community
Specialty: Commercial
KY
FDIC cert 17937
Franklin, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Franklin Bank & Trust Company faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 25% in Community
- - Credit Risk Growth: Bottom 39% in Community
- - Loan-to-Deposit Ratio 24.87% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$801.3M
+6.3% YoY
+3.1% QoQ
|
-$590.2M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$692.5M
+7.2% YoY
+5.7% QoQ
|
-$283.0M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$641.6M
+5.8% YoY
-2.7% QoQ
|
-$523.0M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
1.39%
+4.6% YoY
+3.3% QoQ
|
+0.22% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.86%
+7.3% YoY
+1.3% QoQ
|
+0.20% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
53.22%
-2.9% YoY
-0.5% QoQ
|
-9.42% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.56%
+64.6% YoY
+27.2% QoQ
|
-0.07% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
107.93%
+1.3% YoY
+8.5% QoQ
|
+24.87% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.28%
-18.9% YoY
-2.7% QoQ
|
-3.77% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.48%
+66.0% YoY
+30.4% QoQ
|
-0.02% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.62%
-4.3% YoY
+39.4% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
NIB Deposit Bleed
decline
#23 of 89 · Bottom 25% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
17.28%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#253 of 642 · Bottom 39% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
107.93%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
77
77th pctile
Efficiency Ratio
Current: 53.22% · Tier avg: 62.63%
68
68th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
63
63th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.66%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
49
49th pctile
Total Loans
Current: $692.5M · Tier avg: $975.5M
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.28% · Tier avg: 21.05%
35
35th pctile
Total Assets
Current: $801.3M · Tier avg: $1.4B
33
33th pctile
Total Deposits
Current: $641.6M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
5
5th pctile
Loan-to-Deposit Ratio
Current: 107.93% · Tier avg: 83.06%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 107.93% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Total Deposits
Current: $641.6M · Tier avg: $1.2B
35
35th pctile
Total Assets
Current: $801.3M · Tier avg: $1.4B
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.28% · Tier avg: 21.05%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
49
49th pctile
Total Loans
Current: $692.5M · Tier avg: $975.5M
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
63
63th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.66%
68
68th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
77
77th pctile
Efficiency Ratio
Current: 53.22% · Tier avg: 62.63%