C
Franklin 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 Bank & Trust Company
Franklin, KY
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Rating C
Asset Quality Index 8.30
Capitalization Index 10.00
Liquidity Index 0.30
Profitability Index 6.50
Stability Index 3.70
Company Info Franklin Bank & Trust Company
Franklin, KY
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FDIC Number 17937
Phone Number (270) 586-7121
Website www.fbtco.com
Asset Quality Franklin Bank & Trust Company
Franklin, KY
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1-Year Asset Growth 0.76%
5-Year Asset Growth 7.34%
5-Year Charge-Offs to Average Loans 0.18%
Charge-Offs to Average Loans 0.21%
Non-Performing Assets to Assets 0.28%
Non-Performing Loans to Capital 1.95%
Non-Performing Loans to Loans 0.33%
Balance Sheet Franklin Bank & Trust Company
Franklin, KY
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Total Assets 750.83M
Total Deposits 631.73M
Capital and Reserves Franklin Bank & Trust Company
Franklin, KY
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Capital 97.83M
Leverage Ratio 13.11
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio --
Liquidity Franklin Bank & Trust Company
Franklin, KY
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Hot Money Ratio 23.78%
Liquidity Ratio 12.07%
Profitability Franklin Bank & Trust Company
Franklin, KY
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5-Year Return on Average Assets 1.25%
Net Income 4.89M
Net Interest Spread 3.74%
Operating Profit to Average Assets 1.71%
Overhead Efficiency Ratio 54.41%
Return on Assets 1.31%
Return on Equity 10.18%