BlastPoint's Banking Scorecard
Franklin Savings Bank
Community
Specialty: Commercial
ME
FDIC cert 19836
Farmington, ME
1484
banks in Community tier nationally
15 in ME
View Community leaderboard (ME) →
Franklin Savings Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 11.69% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 4% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$775.8M
+6.9% YoY
+0.7% QoQ
|
-$615.7M |
$1.4B
+2.0% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$658.5M
+6.8% YoY
+0.7% QoQ
|
-$317.0M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$610.5M
+11.8% YoY
+2.4% QoQ
|
-$554.1M |
$1.2B
+1.7% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
0.72%
+13.0% YoY
-15.5% QoQ
|
-0.45% |
1.16%
+17.2% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
4.09%
+11.5% YoY
+1.4% QoQ
|
+0.43% |
3.66%
+9.1% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
73.60%
-4.3% YoY
+4.1% QoQ
|
+10.97% |
62.63%
-5.3% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
1.59%
+72.0% YoY
+16.7% QoQ
|
+0.96% |
0.63%
+18.3% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
107.86%
-4.5% YoY
-1.7% QoQ
|
+24.80% |
83.06%
+0.3% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.09%
-6.3% YoY
-1.9% QoQ
|
+1.04% |
21.05%
-0.9% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
1.35%
+71.8% YoY
+16.6% QoQ
|
+0.85% |
0.50%
+20.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
21.94%
-3.0% YoY
-1.2% QoQ
|
+11.69% |
10.24%
-0.6% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.30%
-8.0% YoY
+29.6% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 5%
in Community
Why this stands out
Current:
21.94%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#13 of 268 · Bottom 4% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
21.94%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
107.86%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
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
95
95th pctile
Tier 1 Capital Ratio
Current: 21.94% · Tier avg: 10.24%
73
73th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.66%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.09% · Tier avg: 21.05%
46
46th pctile
Total Loans
Current: $658.5M · Tier avg: $975.5M
34
34th pctile
Total Assets
Current: $775.8M · Tier avg: $1.4B
29
29th pctile
Total Deposits
Current: $610.5M · Tier avg: $1.2B
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
20
20th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.16%
20
20th pctile
Efficiency Ratio
Current: 73.60% · Tier avg: 62.63%
14
14th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.63%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.35% · Tier avg: 0.50%
5
5th pctile
Loan-to-Deposit Ratio
Current: 107.86% · Tier avg: 83.06%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 107.86% · Tier avg: 83.06%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.35% · Tier avg: 0.50%
14
14th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.63%
20
20th pctile
Efficiency Ratio
Current: 73.60% · Tier avg: 62.63%
20
20th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.16%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
29
29th pctile
Total Deposits
Current: $610.5M · Tier avg: $1.2B
34
34th pctile
Total Assets
Current: $775.8M · Tier avg: $1.4B
46
46th pctile
Total Loans
Current: $658.5M · Tier avg: $975.5M
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.09% · Tier avg: 21.05%
73
73th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.66%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.94% · Tier avg: 10.24%