Call reports 2026
FRANKLIN STATE BANK & TRUST COMPANY — 2026
What FRANKLIN STATE BANK & TRUST COMPANY reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 227,230,000 | 224,676,000 |
| Total loans | 116,294,000 | 126,127,000 |
| Allowance for loan losses | 1,779,000 | 1,611,000 |
| Securities available for sale | 30,384,000 | 32,067,000 |
| Securities held to maturity | 23,568,000 | 20,602,000 |
| Trading assets | 0 | 0 |
| Total deposits | 203,750,000 | 200,221,000 |
| Interest-bearing deposits | 145,732,000 | 145,870,000 |
| Noninterest-bearing deposits | 58,018,000 | 54,351,000 |
| Equity capital | 22,048,000 | 22,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 3,536,000 | 6,816,000 |
| Interest expense | 886,000 | 1,753,000 |
| Net interest income | 2,650,000 | 5,063,000 |
| Noninterest income | 294,000 | 549,000 |
| Noninterest expense | 1,593,000 | 3,271,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 1,351,000 | 2,341,000 |
| Income tax | 0 | 0 |
| Net income | 1,351,000 | 2,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 21,958,000 | 22,807,000 |
| Total capital | 23,195,000 | 24,111,000 |
| Risk-weighted assets | 98,348,000 | 103,926,000 |