Institution Statistics
| Franklin Bank & Trust Company | | FDIC Certificate # | 17937 | | BankRate Report | View | | Year Established | 1958 | | Employees | 66 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $355.66 million | | Loans | $272.94 million | | Deposits | $279.95 million | | Equity Capital | $36.47 million | | Loan Loss Allowance | $4.52 million | | Unbacked Noncurrent Loans | $1.74 million | | Real Estate Owned | $1.93 million |
Historic Data - September 2010 | | Assets | $344.12 million | | Equity Capital | $30.99 million | | Loan Loss Allowance | $4.32 million | | Unbacked Noncurrent Loans | $3.31 million | | Real Estate Owned | $3.17 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.25% | | Return on Assets | 1.07% | | Return on Equity | 11.11% | | Interest Income | $13.35 million |
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Institution Health
Overall Score:
4 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 September 30, 2011 Franklin Bank & Trust Company had $3.66 million in non-current loans and owned real-estate with $40.99 million in equity and loan loss allowances on hand to cover it. This gives Franklin Bank & Trust Company a Texas Ratio of 8.94% which is above average. 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 significantly from 18.34% as of September 30, 2010 to 8.94% as of September 30, 2011, resulting in a positive change of 51.25%.This indicates that the balance sheet and financial strength for Franklin Bank & Trust Company has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Franklin Bank & Trust Company has increased its total deposits by $5.73 million, resulting in 2.09% 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 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. Franklin Bank & Trust Company has $355.66 million in assets with $40.99 million in equity, resulting in a capitalization level of 11.53%, which is above average. |
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