Franklin Savings Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.9 and a capital leverage ratio of 18.8. A current level of 6.2 percent of nonperforming loans to core capital combined with 6.2 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Home mtgs (34%), comm re (32%), home eq lns (6%), comm loans (6%), securities (5%), cash (3%), consumer loans (1%), other (13%)
States with Branches:
ME
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
FSB Bancorp, MHC
Investment Rating
--
Address
197 Main Street
Farmington, ME 04938
Farmington, ME 04938
Phone Number
(207) 778-3339
Year Founded
1868
FDIC Number
Website
Largest Affiliates
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