Franklin Savings Bank
Farmington, ME
IDRSSD: 228000
Total Assets
$770.36M
Latest filing
Total Deposits
$596.27M
Latest filing
Net Interest Margin
4.17%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Franklin Savings Bank
197 Main St
Farmington, ME 04938
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/16/1868FDIC Certificate 13629
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Franklin Savings Bank (Main) | 197 Main St | Farmington, ME |
| RUMFORD BRANCH | 155 Congress St | Rumford, ME |
| JAY BRANCH | 9 Main St | Jay, ME |
| RANGELEY BRANCH | 2573 Main St | Rangeley, ME |
| SOMERSET BRANCH | 194 Madison Ave | Skowhegan, ME |
| WILTON BRANCH | 603 Main St | Wilton, ME |
| MT. BLUE HIGH SCHOOL BRANCH | 129 Seamon Rd | Farmington, ME |
| ELLSWORTH BRANCH | 181 State St | Ellsworth, ME |
Showing 7 of 7
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 11/16/1868 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 04938 |
| State and County Number | 23007 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 15 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 146 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 07/01/1968 |
| Primary Insurance Agency | DIF |
| Website | www.franklinsavings.bank |
| Data Updated | 11/14/2025 |
| CERT | 19836 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $770.36M |
| Total Deposits | $596.27M |
| Total Liabilities | $637.56M |
| Total Equity Capital | $132.79M |
| Net Income | $1.66M |
| Net Loans and Leases | $653.98M |
| Assets Per Employee ($Millions) | $5.24M |
| Bank Premises and Fixed Assets | $10.18M |
| Cash and Balances due from Depository Institutions | $24.68M |
| Deposits Held in Domestic Offices | $596.27M |
Key Performance Ratios
| Return on Assets (ROA) | 0.87% |
| Return on Equity (ROE) | 5.04% |
| Net Interest Margin | 4.17% |
| Efficiency Ratio | 67.93% |
| Tier 1 Risk-Based Capital Ratio | 22.215% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.26% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 17.238% |
| Earning Assets to total Assets | 93.42% |
Income and Expense
| Total Interest Income | $10.68M |
| Total Noninterest Income | $722.00k |
| Total Interest Expense | $3.26M |
| Total Noninterest Expense | $5.53M |
| Net Interest Income | $7.42M |
| Pre-tax Net Operating Income | $2.12M |
| Provision for Credit Losses | $488.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $34.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $255.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.29M |
| Total Liabilities and Capital | $770.36M |
Securities
| Securities | $46.63M |
| Available-for-sale debt securities | $46.63M |
| 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 Franklin Savings Bank?
$770.36M as of the latest filing.
How much are Franklin Savings Bank's total deposits?
$596.27M in total deposits.
Where is Franklin Savings Bank located?
Farmington, ME.
What is the Net Interest Margin?
4.17%.
How many domestic offices does it operate?
8.
When was it established?
11/16/1868.
What is the Return on Assets (ROA)?
0.87%.
How much are total loans and leases?
$653.98M (latest filing).
What is the total interest income (latest filing)?
$10.68M.