Bank of Franklin County: how it compares with its peers
Against 75 MO banks with half to twice its assets, Bank of Franklin County's strongest measure in Q2 2026 is assets per employee ($5.7M vs. a $6.5M peer median). Its weakest relative measure is return on assets (0.74% vs. 1.58%).
| Measure | Bank of Franklin County | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.74% | 1.58% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.82% | 4.18% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.87% | 57.08% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.5M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.58% | 86.39% | Context |
What it means for lending operations
Its efficiency ratio of 73.87% is above the 57.08% 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
- MA Bank Macon, MO · $417M
- Heritage Bank of the Ozarks Lebanon, MO · $424M
- Branson Bank Branson, MO · $414M
- Central Bank of Kansas City Kansas City, MO · $410M
- Pony Express Bank Braymer, MO · $399M
- Community Bank and Trust Neosho, MO · $445M
Questions about Bank of Franklin County
How big is Bank of Franklin County?
Bank of Franklin County, established in 2000, is headquartered in Washington, MO. It reported $419M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Bank of Franklin County's return on assets?
0.74% annualized in Q2 2026, against a 1.58% median for 75 MO banks with half to twice its assets, ahead of 5% of them.
What is Bank of Franklin County's efficiency ratio?
73.87% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 57.08%, and lower is better.
Is Bank of Franklin County growing its loans?
Net loans grew 1.9% over the year to Q2 2026, while deposits grew 2.6%.
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 MO 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 Missouri bank ranked.