Franklin Bank & Trust Company: how it compares with its peers
Against 40 KY banks with half to twice its assets, Franklin Bank & Trust Company's strongest measure in Q2 2026 is assets per employee ($9.6M vs. a $6.1M peer median). Its weakest relative measure is net interest margin (4.03% vs. 3.89%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.57% | 1.26% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.03% | 3.89% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.46% | 58.40% | Top third Ahead of 73% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.6M | $6.1M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 104.99% | 84.26% | Context |
What it means for lending operations
Its efficiency ratio of 51.46% is better than the 58.40% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers Bank and Trust Company Marion, KY · $794M
- Cumberland Valley National Bank & Trust Company London, KY · $816M
- Wilson & Muir Bank & Trust Company Bardstown, KY · $818M
- FNB Bank, Inc. Mayfield, KY · $770M
- First & Farmers National Bank, Inc. Somerset, KY · $714M
- The Citizens National Bank of Somerset Somerset, KY · $701M
Questions about Franklin Bank & Trust Company
How big is Franklin Bank & Trust Company?
Franklin Bank & Trust Company, established in 1958, is headquartered in Franklin, KY. It reported $804M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Franklin Bank & Trust Company's return on assets?
1.57% annualized in Q2 2026, against a 1.26% median for 40 KY banks with half to twice its assets, ahead of 75% of them.
What is Franklin Bank & Trust Company's efficiency ratio?
51.46% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 58.40%, and lower is better.
Is Franklin Bank & Trust Company growing its loans?
Net loans grew 8.0% over the year to Q2 2026, while deposits grew 3.0%.
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 KY 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 Kentucky bank ranked.