Bank of Franklin County

900 East Eighth Street
Washington, MO 63090
(877) 584-6600
www.bankoffranklincounty.com

OverView
Rates
Health
Reviews

Bank of Franklin County is headquartered in Washington and is the 99^th largest bank in the state of Missouri. It is also the 2,848^th largest bank in the nation. It was established in 2000 and as of December of 2011, it had grown to 56 employees at 4 locations. Bank of Franklin County's savings rates are 4X the national average, and it has a 3-star health rating.

Bank of Franklin County Routing Number: 081918946

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

Bank of Franklin County Checking Account Rates

Apy	Min	Max	Product
2.27%	-	$25k	Think Green Checking - Qualifying
0.25%	-	-	Independence Checking
0.25%	-	-	Senior Statesman
0.25%	-	-	Franklin Account

Bank of Franklin County Savings Account Rates

Apy	Min	Max	Product
2.02%	-	-	Health Savings Account
0.95%	-	-	CLUB Account (with autocredit)
0.75%	-	-	CLUB Account
0.75%	$50k	-	Franklin Growth Savings
0.75%	$50k	-	Business Growth Savings
0.60%	-	-	Franklin Jr. Savings
0.50%	$50k	-	Freedom Savings

Bank of Franklin County Money Market Rates

Apy	Min	Max	Product
0.65%	$50k	-	Patriot Money Market
0.65%	$50k	-	Money Market (Commercial)

Bank of Franklin County CD Rates

Apy	Min	Max	Product
1.76%	$500	-	60 Month CD with Franklin
1.76%	$500	-	60 Month CD with Senior Statesman
1.51%	$500	-	60 Month CD
1.40%	$500	-	48 Month CD with Franklin
1.40%	$500	-	48 Month CD with Senior Statesman
1.16%	$500	-	48 Month CD
1.11%	$500	-	36 Month CD with Franklin
1.11%	$500	-	36 Month CD with Senior Statesman
0.85%	$500	-	36 Month CD
0.75%	$500	-	24 Month CD with Franklin
0.75%	$500	-	24 Month CD with Senior Statesman
0.50%	$500	-	24 Month CD
0.50%	$500	-	18 Month CD with Franklin
0.50%	$500	-	18 Month CD with Senior Statesman
0.40%	$500	-	12 Month CD with Franklin
0.40%	$500	-	12 Month CD with Senior Statesman
0.30%	$500	-	7-30 Day CD with Franklin
0.30%	$500	-	31-90 Day CD with Franklin
0.30%	$500	-	91-181 Day CD with Franklin
0.30%	$500	-	6 Month CD with Franklin
0.30%	$500	-	7-30 Day CD with Senior Statesman
0.30%	$500	-	31-90 Day CD with Senior Statesman
0.30%	$500	-	91-181 Day CD with Senior Statesman
0.30%	$500	-	6 Month CD with Senior Statesman
0.25%	$500	-	18 Month CD
0.15%	$500	-	12 Month CD
0.05%	$500	-	7-30 Day CD
0.05%	$500	-	31-90 Day CD
0.05%	$500	-	91-181 Day CD
0.05%	$500	-	6 Month CD

Bank of Franklin County IRA Rates

Apy	Min	Max	Product
3.56%	$500	-	Educational IRA 60 Month CD
1.76%	$500	-	60 Month IRA with Franklin
1.76%	$500	-	60 Month IRA with Senior Statesman
1.76%	$500	-	60 Month Roth IRA with Franklin
1.76%	$500	-	60 Month Roth IRA with Senior Statesman
1.51%	$500	-	60 Month IRA
1.51%	$500	-	60 Month Roth IRA
1.40%	$500	-	48 Month IRA with Franklin
1.40%	$500	-	48 Month IRA with Senior Statesman
1.40%	$500	-	48 Month Roth IRA with Franklin
1.40%	$500	-	48 Month Roth IRA with Senior Statesman
1.16%	$500	-	48 Month IRA
1.16%	$500	-	48 Month Roth IRA
1.11%	$500	-	36 Month IRA with Franklin
1.11%	$500	-	36 Month IRA with Senior Statesman
1.11%	$500	-	36 Month Roth IRA with Franklin
1.11%	$500	-	36 Month Roth IRA with Senior Statesman
0.85%	$500	-	36 Month IRA
0.85%	$500	-	36 Month Roth IRA
0.75%	$500	-	24 Month IRA with Franklin
0.75%	$500	-	24 Month IRA with Senior Statesman
0.75%	$500	-	24 Month Roth IRA with Franklin
0.75%	$500	-	24 Month Roth IRA with Senior Statesman
0.50%	$500	-	18 Month IRA with Franklin
0.50%	$500	-	18 Month IRA with Senior Statesman
0.50%	$500	-	24 Month IRA
0.50%	$500	-	18 Month Roth IRA with Franklin
0.50%	$500	-	18 Month Roth IRA with Senior Statesman
0.50%	$500	-	24 Month Roth IRA
0.40%	$500	-	12 Month IRA with Franklin
0.40%	$500	-	12 Month IRA with Senior Statesman
0.40%	$500	-	12 Month Roth IRA with Franklin
0.40%	$500	-	12 Month Roth IRA with Senior Statesman
0.30%	$500	-	6 Month IRA with Franklin
0.30%	$500	-	6 Month IRA with Senior Statesman
0.30%	$500	-	6 Month Roth IRA with Franklin
0.30%	$500	-	6 Month Roth IRA with Senior Statesman
0.25%	$500	-	18 Month IRA
0.25%	$500	-	18 Month Roth IRA
0.15%	$500	-	12 Month IRA
0.15%	$500	-	12 Month Roth IRA
0.05%	$500	-	6 Month IRA
0.05%	$500	-	6 Month Roth IRA

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

Bank of Franklin County
FDIC Certificate #	35543
BankRate Report	View
Year Established	2000
Employees	56
Primary Regulator	FDIC
Assets and Liabilities
Assets	$222.77 million
Loans	$152.55 million
Deposits	$200.46 million
Equity Capital	$20.09 million
Loan Loss Allowance	$3.46 million
Unbacked Noncurrent Loans	$5.91 million
Real Estate Owned	$8.31 million
Historic Data - December 2010
Assets	$218.30 million
Equity Capital	$20.51 million
Loan Loss Allowance	$4.01 million
Unbacked Noncurrent Loans	$4.60 million
Real Estate Owned	$7.56 million
Profit Margin - Quarterly
Net Interest Margin	3.13%
Return on Assets	-0.37%
Return on Equity	-4.21%
Interest Income	$9.70 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Franklin County had $14.22 million in non-current loans and owned real-estate with $23.55 million in equity and loan loss allowances on hand to cover it. This gives Bank of Franklin County a Texas Ratio of 60.38% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Bank of Franklin County increased slightly from 49.40% as of December 31, 2010 to 60.38% as of December 31, 2011, resulting in a negative change of 22.22%. This indicates that the balance sheet and financial strength for Bank of Franklin County has declined slightly in recent periods.
Deposit Growth
In the past year, Bank of Franklin County has increased its total deposits by $4.28 million, resulting in 2.18% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Franklin County has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Franklin County has $222.77 million in assets with $23.55 million in equity, resulting in a capitalization level of 10.57%, which is above average.

No reviews have been left for this bank yet. Be the first to review.