Bank of Franklin County
Washington, MO
IDRSSD: 2913702
Total Assets
$417.16M
Latest filing
Total Deposits
$345.19M
Latest filing
Net Interest Margin
3.72%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Franklin County
900 E 8th St
Washington, MO 63090
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/28/2000FDIC Certificate 81652
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of Franklin County (Main) | 900 E 8th St | Washington, MO |
| KRAKOW BRANCH | 3017 Highway A | Washington, MO |
| BANK OF FRANKLIN COUNTY - NEW HAVEN BRANCH | 101 Franklin Ave | New Haven, MO |
| RABBIT TRAIL BRANCH | 1901 Rabbit Trail Dr | Washington, MO |
| O' FALLON BRANCH | 100 Christina Marie Dr | O Fallon, MO |
| BANK OF FRANKLIN COUNTY - ELLISVILLE BRANCH | 15928 Manchester Rd | Ellisville, MO |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/28/2000 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 63090 |
| State and County Number | 29071 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | St. Louis, MO-IL |
Operational Info
| Number of Employees | 78 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/28/2000 |
| Primary Insurance Agency | DIF |
| Website | www.bankoffranklincounty.com |
| Data Updated | 11/14/2025 |
| CERT | 35543 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $417.16M |
| Total Deposits | $345.19M |
| Total Liabilities | $381.10M |
| Total Equity Capital | $36.06M |
| Net Income | $795.00k |
| Net Loans and Leases | $341.37M |
| Assets Per Employee ($Millions) | $5.56M |
| Bank Premises and Fixed Assets | $15.15M |
| Cash and Balances due from Depository Institutions | $7.40M |
| Deposits Held in Domestic Offices | $345.19M |
Key Performance Ratios
| Return on Assets (ROA) | 0.76% |
| Return on Equity (ROE) | 9.03% |
| Net Interest Margin | 3.72% |
| Efficiency Ratio | 72.67% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.632% |
| Earning Assets to total Assets | 92.14% |
Income and Expense
| Total Interest Income | $5.87M |
| Total Noninterest Income | $481.00k |
| Total Interest Expense | $2.29M |
| Total Noninterest Expense | $2.95M |
| Net Interest Income | $3.58M |
| Pre-tax Net Operating Income | $1.02M |
| Provision for Credit Losses | $90.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $761.00k |
| Other borrowed funds | $33.27M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $584.00k |
| All Other Liabilities | $2.05M |
| Total Liabilities and Capital | $417.16M |
Securities
| Securities | $39.60M |
| Available-for-sale debt securities | $39.60M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Franklin County?
$417.16M as of the latest filing.
How much are Bank of Franklin County's total deposits?
$345.19M in total deposits.
Where is Bank of Franklin County located?
Washington, MO.
What is the Net Interest Margin?
3.72%.
How many domestic offices does it operate?
6.
When was it established?
08/28/2000.
What is the Return on Assets (ROA)?
0.76%.
How much are total loans and leases?
$341.37M (latest filing).
What is the total interest income (latest filing)?
$5.87M.