Bank of Franklin: how it compares with its peers
Against 31 MS banks with half to twice its assets, Bank of Franklin's strongest measure in Q2 2026 is net interest margin (4.48% vs. a 4.02% peer median). Its weakest relative measure is return on assets (0.96% vs. 1.15%).
| Measure | Bank of Franklin | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.96% | 1.15% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.48% | 4.02% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.31% | 64.55% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.0M | $5.3M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.62% | 66.49% | Context |
What it means for lending operations
Its efficiency ratio of 72.31% is above the 64.55% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Bank of Forest Forest, MS · $296M
- The Commercial Bank De Kalb, MS · $295M
- First Southern Bank Columbia, MS · $317M
- Bank of Yazoo City Yazoo City, MS · $318M
- FNB Picayune Bank Picayune, MS · $282M
- Unity Bank of Mississippi Holly Springs, MS · $282M
Questions about Bank of Franklin
How big is Bank of Franklin?
Bank of Franklin, established in 1912, is headquartered in Meadville, MS. It reported $302M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Bank of Franklin's return on assets?
0.96% annualized in Q2 2026, against a 1.15% median for 31 MS banks with half to twice its assets, ahead of 29% of them.
What is Bank of Franklin's efficiency ratio?
72.31% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 64.55%, and lower is better.
Is Bank of Franklin growing its loans?
Net loans grew 17.9% over the year to Q2 2026, while deposits grew 22.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.