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317 North Main Street
Franklin, KY 42134

Franklin Bank & Trust Company is headquartered in Franklin and is the 39th largest bank in the state of Kentucky. It is also the 1,819st largest bank in the nation. It was established in 1958 and as of March of 2014, it had grown to 69 employees at 4 locations. Franklin Bank & Trust Company's savings rates are 92% higher than the national average, and it boasts a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Franklin Bank & Trust Company had $3.34 million in non-current loans and owned real-estate with $46.67 million in equity and loan loss allowances on hand to cover it. This gives Franklin Bank & Trust Company a Texas Ratio of 7.15% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Franklin Bank & Trust Company decreased dramatically from 12.68% as of March 31, 2013 to 7.15% as of March 31, 2014, resulting in a positive change of 43.64%.This indicates that the balance sheet and financial strength for Franklin Bank & Trust Company has improved dramatically in recent periods.

Deposit Growth


In the past year, Franklin Bank & Trust Company has increased its total deposits by $12.88 million, resulting in 4.45% 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 Franklin Bank & Trust Company has shown is excellent.



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. Franklin Bank & Trust Company has $362.52 million in assets with $46.67 million in equity, resulting in a capitalization level of 12.87%, which is excellent.

Institution Statistics

FDIC Certificate #17937
Year Established1958
Primary RegulatorFDIC
Assets and Liabilities
Assets$362.52 million
Loans$285.17 million
Deposits$302.47 million
Equity Capital$41.67 million
Loan Loss Allowance$5.00 million
Unbacked Noncurrent Loans$1.34 million
Real Estate Owned$1.99 million
Historic Data - March 2013
Assets$358.17 million
Equity Capital$41.00 million
Loan Loss Allowance$5.01 million
Unbacked Noncurrent Loans$1.34 million
Real Estate Owned$4.95 million
Profit Margin - Quarterly
Net Interest Margin4.02%
Return on Assets0.94%
Return on Equity8.25%
Interest Income$3.82 million
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Franklin Bank & Trust Company Savings Account Rates

1.00%-$25kKasasa Saver - Qualifying
0.05%--Kasasa Saver - Non Qualifying

Franklin Bank & Trust Company Checking Account Rates

1.75%-$25kKasasa Cash - Qualifying
0.05%--Kasasa Cash - Non Qualifying

Franklin Bank & Trust Company Locations
Bowling Green/Gary Farms Branch2305 Gary Farms BlvdBowling Green, KY 42104
Franklin Bank & Trust Company317 North Main StreetFranklin, KY 42134
Bowling Green Branch661 Dishman Lane ExtBowling Green, KY 42104
South Branch903 South Main StreetFranklin, KY 42135