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Overview / Commentary
387 Central Street
Franklin, NH 03235

Franklin Savings Bank is headquartered in Franklin and is the 11st largest bank in the state of New Hampshire. It is also the 1,791st largest bank in the nation. It was established in 1869 and as of December of 2013, it had grown to 98 employees at 8 locations. Franklin Savings Bank's savings rates are 3X the national average, and it has a A health rating.

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Data for Q4 2013

Institution Health


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, 2013 Franklin Savings Bank had $3.88 million in non-current loans and owned real-estate with $43.66 million in equity and loan loss allowances on hand to cover it. This gives Franklin Savings Bank a Texas Ratio of 8.89% 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 Savings Bank decreased dramatically from 12.98% as of December 31, 2012 to 8.89% as of December 31, 2013, resulting in a positive change of 31.49%.This indicates that the balance sheet and financial strength for Franklin Savings Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Franklin Savings Bank has increased its total deposits by $3.24 million, resulting in 1.17% 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 Savings Bank has shown is above average.



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 Savings Bank has $364.74 million in assets with $43.66 million in equity, resulting in a capitalization level of 11.97%, which is excellent.

Institution Statistics

FDIC Certificate #17951
Year Established1869
Primary RegulatorFDIC
Assets and Liabilities
Assets$364.74 million
Loans$237.21 million
Deposits$280.19 million
Equity Capital$42.13 million
Loan Loss Allowance$1.53 million
Unbacked Noncurrent Loans$3.56 million
Real Estate Owned$324,000
Historic Data - December 2012
Assets$365.66 million
Equity Capital$40.47 million
Loan Loss Allowance$1.55 million
Unbacked Noncurrent Loans$3.56 million
Real Estate Owned$603,000
Profit Margin - Quarterly
Net Interest Margin3.27%
Return on Assets0.54%
Return on Equity4.81%
Interest Income$13.55 million
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Franklin Savings Bank Savings Account Rates

1.80%$25k-Health Savings Account
0.20%$50k-Variable Rate IRA
0.20%$50k-Variable Rate Roth IRA
0.20%$50k-Variable Rate CESA
0.07%$5k-Statement Savings Account
0.03%--Kids' Savings Account

Franklin Savings Bank Money Market Rates

0.17%$75k-Lakes Relationship Money Market Plus
0.10%$75k-Money Market Advantage

Franklin Savings Bank CD Rates

1.70%$1k-42 Month CD Special
1.50%$1k-5 Year CD
1.25%$100-5 Year Smart CD
0.80%$2k-25 Month CD Special
0.65%$1k-3 Year CD
0.50%$2k-15 Month CD Special
0.45%$10k-2 Year CD
0.25%$10k-1 Year CD
0.15%$10k-182 Day CD
0.12%$10k-91 Day CD
0.05%$5k-7 Day CD
0.05%$5k-10 Day CD
0.05%$5k-13 Day CD
0.05%$5k-21 Day CD

Franklin Savings Bank IRA Rates

1.50%$500-5 Year IRA (Traditional,Roth,CESA)
0.65%$500-3 Year IRA (Traditional,Roth,CESA)
0.45%$10k-2 Year IRA (Traditional,Roth,CESA)
0.25%$10k-1 Year IRA (Traditional,Roth,CESA)
0.15%$10k-182 Day IRA (Traditional,Roth,CESA)
0.12%$10k-91 Day IRA (Traditional,Roth,CESA)

Franklin Savings Bank Locations
Gilford Branch11 Saw Mill RoadGilford, NH 3249
Laconia Branch11 Veterans SquareLaconia, NH 3246
Boscawen Branch139 King StreetBoscawen, NH 3303
Bristol Branch350 Lake StreetBristol, NH 3222 Branch387 Central StreetFranklin, NH 3235
Franklin Savings Bank387 Central StreetFranklin, NH 3235
Tilton Branch61 Laconia Road, Suite 300Tilton, NH 3276
Central Street Branch933 Central StreetFranklin, NH 3235