Franklin Bank & Trust Company
Franklin, KY
IDRSSD: 493844
Total Assets
$801.27M
Latest filing
Total Deposits
$641.61M
Latest filing
Net Interest Margin
4.03%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
083908048FRANKLIN, KY
Key People
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Locations
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Main Office
Franklin Bank & Trust Company
317 N Main St
Franklin, KY 42134
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/01/1958FDIC Certificate 11871
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Franklin Bank & Trust Company (Main) | 317 N Main St | Franklin, KY |
| SOUTH BRANCH | 903 S Main St | Franklin, KY |
| BOWLING GREEN BRANCH | 661 Dishman Lane Ext | Bowling Green, KY |
| BOWLING GREEN/GARY FARMS BRANCH | 2305 Gary Farms Blvd | Bowling Green, KY |
| LOVERS LANE | 398 Lovers Ln | Bowling Green, KY |
Showing 4 of 4
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 | 12/01/1958 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42134 |
| State and County Number | 21213 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 82 |
| Domestic Offices | 5 |
| 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 | 12/01/1958 |
| Primary Insurance Agency | DIF |
| Website | www.fbtco.com |
| Data Updated | 01/30/2026 |
| CERT | 17937 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $801.27M |
| Total Deposits | $641.61M |
| Total Liabilities | $698.68M |
| Total Equity Capital | $102.59M |
| Net Income | $3.00M |
| Net Loans and Leases | $692.48M |
| Assets Per Employee ($Millions) | $9.77M |
| Bank Premises and Fixed Assets | $19.72M |
| Cash and Balances due from Depository Institutions | $56.64M |
| Deposits Held in Domestic Offices | $641.61M |
Key Performance Ratios
| Return on Assets (ROA) | 1.52% |
| Return on Equity (ROE) | 11.82% |
| Net Interest Margin | 4.03% |
| Efficiency Ratio | 52.48% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.803% |
| Earning Assets to total Assets | 93.52% |
Income and Expense
| Total Interest Income | $11.52M |
| Total Noninterest Income | $1.51M |
| Total Interest Expense | $4.08M |
| Total Noninterest Expense | $4.70M |
| Net Interest Income | $7.43M |
| Pre-tax Net Operating Income | $3.90M |
| Provision for Credit Losses | $347.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $54.44M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.05M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.63M |
| Total Liabilities and Capital | $801.27M |
Securities
| Securities | $8.76M |
| Available-for-sale debt securities | $8.76M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Franklin Bank & Trust Company?
$801.27M as of the latest filing.
How much are Franklin Bank & Trust Company's total deposits?
$641.61M in total deposits.
Where is Franklin Bank & Trust Company located?
Franklin, KY.
What is the Net Interest Margin?
4.03%.
How many domestic offices does it operate?
5.
When was it established?
12/01/1958.
What is the Return on Assets (ROA)?
1.52%.
How much are total loans and leases?
$692.48M (latest filing).
What is the total interest income (latest filing)?
$11.52M.