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Franklin Savings Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2026-Q1QoQ +1

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

Quarterly Headline

2026-Q1

Bank #228000 2026-Q1 Vital Signs Score: 77/100 — 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 109.1% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.22% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +7

The five pillars

Liquidity

WatchQoQ -3
56
Sub-score

Liquidity is deteriorating: brokered 7.0%, loans/deposits 109.1%, cash 1.2% of assets.

Cash / Assets
1.22%
Loans / Deposits
109.07%
Brokered %
6.95%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.1% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.22% 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 22.23%, CET1 22.23%, leverage 18.55%.

Tier 1 RBC
22.23%
CET1
22.23%
Leverage
18.55%
No watch items at this period.

Asset Quality

StrongQoQ +3
90
Sub-score

Asset quality is strong: Adjusted NPL 1.33%, Texas Ratio 6.0%, NCO YTD 0.12%.

Adjusted NPL
1.33%
Govt-guarantees stripped
Texas Ratio
6.0%
NCO YTD
0.12%
30-89 PD
0.65%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +7
24
Sub-score

Reserves are weak: ALLL 0.77% of loans, coverage 58.0%, true coverage 58.0%.

ALLL / Loans
0.77%
Coverage
58.0%
True Loss Coverage
58.0%
No watch items at this period.

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