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Franklin State Bank & Trust Company
Winnsboro, LA · FDIC Certificate #11792 · Chartered 01/0
Total assets
$224.68M
Total deposits
$200.22M
Total equity
$22.68M
Net loans
$124.52M
Branches (offices)
4
Net income (YTD)
$2.34M
Rank: #2,842 of 4,213 U.S. banks by assets · #71 of 103 in Louisiana. Assets changed 1.7% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.05% |
| Return on equity | 21.29% |
| Net interest margin (YTD) | 4.68% |
| Equity to assets | 10.09% |
| Tier 1 leverage ratio | 10.03% |
| Uninsured deposits (share of deposits) | 28.5% |
| Noncurrent loans (share of loans) | 0.76% |
| Net charge-offs (share of loans) | 0.34% |
| Loans to deposits | 62.2% |
| Real estate loans (share of loans) | 55.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $68.94M | 55.4% | |
| Commercial & industrial | $8.45M | 6.8% | |
| Consumer / individual | $9.53M | 7.7% | |
| Construction & development | $1.21M | 1.0% | |
| Agricultural | $39.17M | 31.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $213.09M | $195.04M | $1.19M | $17.27M |
| Jun 2023 | $212.25M | $187.40M | $6.25M | $23.73M |
| Jun 2024 | $205.44M | $182.90M | $2.37M | $20.75M |
| Jun 2025 | $220.81M | $196.02M | $2.12M | $23.03M |
| Jun 2026 | $224.68M | $200.22M | $2.34M | $22.68M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $200.22M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $200.22M.
Similar-sized banks
Mcs Bank ($224.70M) · Sanger Bank ($224.45M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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