Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	01/01/1908
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	71295
State and County Number	22041
Subchapter S Corporations	Yes
Trust Powers	Full Trust Powers Granted
Federal Reserve ID Number	11
Numeric code	21
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	Dallas
Core Based Statistical Area Name	N/A

Operational Info

Number of Employees	49
Domestic Offices	4
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	01/01/1934
Primary Insurance Agency	DIF
Website	www.fsbnet.com
Data Updated	11/14/2025
CERT	11792
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$223.28M
Total Deposits	$196.90M
Total Liabilities	$199.08M
Total Equity Capital	$24.20M
Net Income	$1.02M
Net Loans and Leases	$117.86M
Assets Per Employee ($Millions)	$4.47M
Bank Premises and Fixed Assets	$2.60M
Cash and Balances due from Depository Institutions	$0
Deposits Held in Domestic Offices	$196.90M

Return on Assets (ROA)	1.84%
Return on Equity (ROE)	17.28%
Net Interest Margin	4.63%
Efficiency Ratio	61.12%
Tier 1 Risk-Based Capital Ratio	23.138%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.03%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	10.838%
Earning Assets to total Assets	93.54%

Total Interest Income	$3.35M
Total Noninterest Income	$244.00k
Total Interest Expense	$929.00k
Total Noninterest Expense	$1.63M
Net Interest Income	$2.42M
Pre-tax Net Operating Income	$1.02M
Provision for Credit Losses	$15.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$180.00k
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$2.18M
Total Liabilities and Capital	$223.28M

Securities	$51.05M
Available-for-sale debt securities	$27.56M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$23.49M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Franklin State Bank & Trust Company?

$223.28M as of the latest filing.

How much are Franklin State Bank & Trust Company's total deposits?

$196.90M in total deposits.

Where is Franklin State Bank & Trust Company located?

Winnsboro, LA.

What is the Net Interest Margin?

4.63%.

How many domestic offices does it operate?

When was it established?

01/01/1908.

What is the Return on Assets (ROA)?

1.84%.

How much are total loans and leases?

$117.86M (latest filing).

What is the total interest income (latest filing)?

$3.35M.