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Overview / Commentary
270-586-7121
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 1,808th largest bank in the nation. It was established in 1958 and as of December of 2013, it had grown to 71 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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Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

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, 2013 Franklin Bank & Trust Company had $3.04 million in non-current loans and owned real-estate with $46.08 million in equity and loan loss allowances on hand to cover it. This gives Franklin Bank & Trust Company a Texas Ratio of 6.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Franklin Bank & Trust Company decreased dramatically from 13.83% as of December 31, 2012 to 6.60% as of December 31, 2013, resulting in a positive change of 52.25%.This indicates that the balance sheet and financial strength for Franklin Bank & Trust Company has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Franklin Bank & Trust Company has increased its total deposits by $31.33 million, resulting in 11.61% 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.

Capitalization

GRADE:
A+

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 $361.84 million in assets with $46.08 million in equity, resulting in a capitalization level of 12.74%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #17937
Year Established1958
Employees71
Primary RegulatorFDIC
Assets and Liabilities
Assets$361.84 million
Loans$280.30 million
Deposits$301.12 million
Equity Capital$41.08 million
Loan Loss Allowance$5.01 million
Unbacked Noncurrent Loans$1.26 million
Real Estate Owned$1.79 million
Historic Data - December 2012
Assets$346.47 million
Equity Capital$40.56 million
Loan Loss Allowance$5.01 million
Unbacked Noncurrent Loans$1.26 million
Real Estate Owned$5.00 million
Profit Margin - Quarterly
Net Interest Margin4.19%
Return on Assets0.76%
Return on Equity6.66%
Interest Income$16.15 million
Rates
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Franklin Bank & Trust Company Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.00%-$25kKasasa Saver
0.05%--Kasasa Saver

Franklin Bank & Trust Company Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.75%-$25kKasasa Cash
0.05%--Kasasa Cash
Locations


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