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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q4QoQ -1

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

Quarterly Headline

2025-Q4

Bank #228000 2025-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.9% (threshold 100%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.0% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -6

The five pillars

Liquidity

WatchQoQ -1
60
Sub-score

Liquidity is deteriorating: brokered 8.9%, loans/deposits 107.9%, cash 3.0% of assets.

Cash / Assets
2.96%
Loans / Deposits
107.86%
Brokered %
8.87%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.9% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.96% 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 21.94%, CET1 21.94%, leverage 18.54%.

Tier 1 RBC
21.94%
CET1
21.94%
Leverage
18.54%
No watch items at this period.

Asset Quality

StrongQoQ -2
87
Sub-score

Asset quality is strong: Adjusted NPL 1.59%, Texas Ratio 7.2%, NCO YTD 0.40%.

Adjusted NPL
1.59%
Govt-guarantees stripped
Texas Ratio
7.2%
NCO YTD
0.40%
30-89 PD
0.43%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -6
17
Sub-score

Reserves are weak: ALLL 0.76% of loans, coverage 48.0%, true coverage 48.0%.

ALLL / Loans
0.76%
Coverage
48.0%
True Loss Coverage
48.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.0% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.0% (Adjusted NPL + Performing Mods denominator).

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