B
Franklin State Bank & Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
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Return On
Assets
Total
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Capital
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Net
Income
Weiss Ratings Franklin State Bank & Trust Company
Winnsboro, LA
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Rating B
Asset Quality Index 6.70
Capitalization Index 7.20
Liquidity Index 3.20
Profitability Index 7.70
Stability Index 6.30
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 6.61%
5-Year Asset Growth 3.08%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 5.77%
Non-Performing Loans to Loans 0.09%
Balance Sheet Franklin State Bank & Trust Company
Winnsboro, LA
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Total Assets 234.65M
Total Deposits 211.79M
Capital and Reserves Franklin State Bank & Trust Company
Winnsboro, LA
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Capital 21.25M
Leverage Ratio 9.16
Loan Loss Reserves to Loans 1.67%
Risk-Based Capital Ratio 23.28
Liquidity Franklin State Bank & Trust Company
Winnsboro, LA
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Hot Money Ratio 34.35%
Liquidity Ratio 34.35%
Profitability Franklin State Bank & Trust Company
Winnsboro, LA
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5-Year Return on Average Assets 1.96%
Net Income 3.65M
Net Interest Spread 4.54%
Operating Profit to Average Assets 1.65%
Overhead Efficiency Ratio 63.70%
Return on Assets 1.65%
Return on Equity 16.17%