BlastPoint's Banking Scorecard
Franklin Savings Bank
Community
Specialty: Commercial
NH
FDIC cert 17951
Franklin, NH
1484
banks in Community tier nationally
11 in NH
View Community leaderboard (NH) →
Franklin Savings Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 27% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$917.3M
+11.6% YoY
+1.6% QoQ
|
-$474.2M |
$1.4B
+2.0% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$732.5M
+19.6% YoY
+3.6% QoQ
|
-$243.0M |
$975.5M
+2.4% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$794.5M
+13.3% YoY
+4.2% QoQ
|
-$370.1M |
$1.2B
+1.7% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
0.77%
+58.7% YoY
+4.7% QoQ
|
-0.39% |
1.16%
+17.2% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
2.99%
+18.5% YoY
+2.8% QoQ
|
-0.68% |
3.66%
+9.1% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
70.60%
-12.1% YoY
-2.0% QoQ
|
+7.97% |
62.63%
-5.3% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.04%
+339.1% YoY
+27.8% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
92.20%
+5.5% YoY
-0.6% QoQ
|
+9.14% |
83.06%
+0.3% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
16.67%
-3.2% YoY
-2.7% QoQ
|
-4.38% |
21.05%
-0.9% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.03%
+370.5% YoY
+30.2% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? |
12.01%
-8.9% YoY
-0.1% QoQ
|
+1.76% |
10.24%
-0.6% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.82%
-7.0% YoY
+32.3% QoQ
|
+0.08% |
0.74%
-1.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#100 of 371 · Top 27% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (1)
Credit Quality Pressure
risk
#44 of 808 · Bottom 5% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
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
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
79
79th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.74%
52
52th pctile
Total Loans
Current: $732.5M · Tier avg: $975.5M
47
47th pctile
Tier 1 Capital Ratio
Current: 12.01% · Tier avg: 10.24%
46
46th pctile
Total Deposits
Current: $794.5M · Tier avg: $1.2B
44
44th pctile
Total Assets
Current: $917.3M · Tier avg: $1.4B
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.67% · Tier avg: 21.05%
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.20% · Tier avg: 83.06%
26
26th pctile
Efficiency Ratio
Current: 70.60% · Tier avg: 62.63%
23
23th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.16%
17
17th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
Top Weaknesses
17
17th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
23
23th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.16%
26
26th pctile
Efficiency Ratio
Current: 70.60% · Tier avg: 62.63%
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.20% · Tier avg: 83.06%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.67% · Tier avg: 21.05%
44
44th pctile
Total Assets
Current: $917.3M · Tier avg: $1.4B
46
46th pctile
Total Deposits
Current: $794.5M · Tier avg: $1.2B
47
47th pctile
Tier 1 Capital Ratio
Current: 12.01% · Tier avg: 10.24%
52
52th pctile
Total Loans
Current: $732.5M · Tier avg: $975.5M
79
79th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.74%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%