B
Franklin State Bank & Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Franklin State Bank & Trust Company
Winnsboro, LA
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Rating B
Asset Quality Index 6.90
Capitalization Index 9.60
Liquidity Index 2.60
Profitability Index 8.30
Stability Index 5.70
Company Info Franklin State Bank & Trust Company
Winnsboro, LA
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FDIC Number 11792
Phone Number (318) 435-3711
Website fsbnet.com
Asset Quality Franklin State Bank & Trust Company
Winnsboro, LA
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1-Year Asset Growth 7.78%
5-Year Asset Growth 4.57%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.21%
Non-Performing Loans to Capital 4.62%
Non-Performing Loans to Loans 0.24%
Balance Sheet Franklin State Bank & Trust Company
Winnsboro, LA
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Total Assets 223.28M
Total Deposits 196.90M
Capital and Reserves Franklin State Bank & Trust Company
Winnsboro, LA
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Capital 24.20M
Leverage Ratio 10.70
Loan Loss Reserves to Loans 1.36%
Risk-Based Capital Ratio 24.39
Liquidity Franklin State Bank & Trust Company
Winnsboro, LA
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Hot Money Ratio 36.72%
Liquidity Ratio 31.32%
Profitability Franklin State Bank & Trust Company
Winnsboro, LA
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5-Year Return on Average Assets 1.96%
Net Income 3.14M
Net Interest Spread 4.61%
Operating Profit to Average Assets 1.91%
Overhead Efficiency Ratio 60.71%
Return on Assets 1.91%
Return on Equity 18.57%