Franklin Bank

Headquarters

101 West Street
Franklin, IL 62638
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 4.66% →
1-Year CD N.A. 4.59% →
2-Year CD N.A. 4.25% →
5-Year CD N.A. 4.20% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2025 Overview

General Bank Information

Franklin Bank is an FDIC insured institution located in Franklin, IL. It was founded in 1934 and has approximately $0.04 billion in assets.

FDIC Insured Yes
FDIC Certificate # 18445
Date Established 1934
Assets $ 40.17 million
Loans $ 20.73 million
Deposits $ 34.98 million
Capital $ 4.87 million
 

For a more detailed analysis of Franklin Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 17, 2025

Your Current Location: New York, NY 10116






Loan Rates - July 17, 2025

Your Current Location: New York, NY 10116

There are currently no loan rates available for Franklin Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - New York 30 Year Fixed Mortgage Rates 2025

Lender APR Rate (%) Monthly
Payment
Learn More
Reliant Home Funding, Inc.
NMLS ID: 292473
6.480% 6.375%
0.50 points
$3,534 fees
$1,997 Learn More
Farmers Bank of Kansas City
NMLS ID: 613839
6.639% 6.490%
1.00 points
$4,966 fees
$2,021 Learn More
HSBC Bank USA, N.A.
NMLS ID: 399799
6.722% 6.625%
0.63 points
$3,369 fees
$2,049 Learn More
PenFed Credit Union
NMLS ID: 401822
6.770% 6.625%
0.88 points
$4,795 fees
$2,049 Learn More

Featured - New York Home Equity Line Of Credit Rates 2025

Lender APR (%)? Monthly Payment? Learn More
Four Leaf Federal Credit Union
Four Leaf Federal Credit Union
See Table
Intro APR 6.490 %
After Intro: 7.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Farmers Bank of Kansas City
Farmers Bank of Kansas City
See Table
Intro APR 8.750 %
After Intro: 8.750 %
$25,000 Learn More
More Info

Note to Franklin Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Franklin Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
New York City,New York


Franklin Bank Locations around zip code 10116


BranchDistance Map View Lobby Hours


Climate Policy and Initiatives

Franklin Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.


Add Your Review


or use your BestCashCow account

or

Financial Details

Franklin Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Franklin Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Franklin Bank U.S. Bank Average
1.12% 5.08%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2025, Franklin Bank had $57,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $4,866,000 in equity and $213,000 in loans loss reserves. That gives it a Texas Ratio of 1.12%.

Return on Equity
Franklin Bank U.S. Bank Average
3.75% 9.95%

Franklin Bank has a Return on Equity of 3.75% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Franklin Bank U.S. Bank Average
12.11% 11.22%

Franklin Bank has a Capitalization of 12.11% versus the BestCashCow average of 11.22. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Franklin Bank Balance Sheet Analysis

As of March 31, 2015, Franklin Bank had assets of $37,393,000, loans of $20,732,000, and deposits of $34,977,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2025
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 20.73 million
Loan loss allowance $ 0.21 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 34.98 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 40.17 million

Summary Income Statement

March 31, 2025
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Franklin Bank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Small Business Loans.

Compared to other banks in Illinois, Franklin Bank has a significantly higher percent of Small Business Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 37.02
Multifamily
Mortgages
8.17
Credit Card Loans 0.00
Consumer Auto Loans 4.39
Small Business Loans 14.33
Construction and Development Loans 0.00
Commercial Real Estate 14.33
Commercial and Industrial Loans 7.76
Farm Loans 17.64

Customer Reviews for Franklin Bank

There are currently no comments for Franklin Bank. Be the first to share your experience. Please provide comments that will help others.


Add Your Review


or use your BestCashCow account

or