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Franklin Savings Bank

IDRSSD: 228000
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q1QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #228000 2025-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.1% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.77% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.71% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ -2
60
Sub-score

Liquidity is stable: brokered 8.7%, loans/deposits 106.1%, cash 2.8% of assets.

Cash / Assets
2.77%
Loans / Deposits
106.15%
Brokered %
8.66%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.1% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.77% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.82%, CET1 22.82%, leverage 18.72%.

Tier 1 RBC
22.82%
CET1
22.82%
Leverage
18.72%
No watch items at this period.

Asset Quality

StrongQoQ -2
90
Sub-score

Asset quality is strong: Adjusted NPL 1.06%, Texas Ratio 4.7%, NCO YTD 0.02%.

Adjusted NPL
1.06%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
0.02%
30-89 PD
1.14%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -8
29
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 67.8%, true coverage 67.8%.

ALLL / Loans
0.71%
Coverage
67.8%
True Loss Coverage
67.8%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.71% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 21:37:33 UTC