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1065 Pa Hwy 315
Wilkes Barre, PA 18702

Franklin Security Bank is headquartered in Wilkes Barre and is the 131st largest bank in the state of Pennsylvania. It is also the 2,836th largest bank in the nation. It was established in 1999 and as of March of 2014, it had grown to 32 employees at 2 locations. Franklin Security Bank has a A+ health rating.

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Reviews (3)

Auto Lending

I am sure this post will be removed, but I can tell you that the auto lending department--more accurately, the people who you call to help if having problems, or even anticipating any difficulties, paying back a car loan--will NOT work with you. They are so rude on the telephone that you cannot speak to them. They also personally attack you and call you names. I have not defaulted on my car loan--just called to discuss options. The auto department was only interested in having me surrender the car and not working with me at all. I am STUNNED that they took this approach and became so nasty about it. Get your car loan elsewhere unless you will never need help with it until it's paid off!

Auto Loan Department

I experienced a very similar situation! I was told one day that I owed 1 more payment. While in the process of trading my car in I was informed that I owed $778 and change as opposed to the $99.84 payment. 653.00 more. When I was transferred to the "supervisor," the "gentleman" proceeded to pick a fight with me. My car was never repossessed! He refused to discuss this with me and proceeded to hang up on me! Here I was sitting at the dealership trading the car in!!!! I attempted to call back several times was transferred to an answering machine! When the dealership called he tried to pick a fight with her!!!! Extremely unprofessional! I will be reporting this behavior!


Completely unprofessional!!  Made a call to make an auto loan payment.  Spoke to Ron the "collection manager".  I was degraded, yelled at, humiliated and hung up on.  unfathomable that such an arrogant, rude, and unprofessional individual can hold any type of postion where he would have to interact with the public.  He gives Franklin Security a bad name.  Would never do business with them again!  They don't deserve 1 star!



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 Security Bank had $1.54 million in non-current loans and owned real-estate with $26.75 million in equity and loan loss allowances on hand to cover it. This gives Franklin Security Bank a Texas Ratio of 5.74% 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 Security Bank experienced no significant changes from 6.26% as of March 31, 2013 to 5.74% as of March 31, 2014, resulting in a positive change of 8.27%.This indicates that the balance sheet and financial strength for Franklin Security Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Franklin Security Bank has increased its total deposits by $5 million, resulting in 3.13% 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 Security Bank 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 Security Bank has $219.77 million in assets with $26.75 million in equity, resulting in a capitalization level of 12.17%, which is excellent.

Institution Statistics

FDIC Certificate #35113
Year Established1999
Primary RegulatorFDIC
Assets and Liabilities
Assets$219.77 million
Loans$155.44 million
Deposits$164.48 million
Equity Capital$25.19 million
Loan Loss Allowance$1.57 million
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$436,000
Historic Data - March 2013
Assets$223.05 million
Equity Capital$26.25 million
Loan Loss Allowance$1.44 million
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$332,000
Profit Margin - Quarterly
Net Interest Margin2.8%
Return on Assets0.16%
Return on Equity1.43%
Interest Income$1.92 million

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Franklin Security Bank Savings Account Rates

0.05%$100-Statement Savings
0.05%$100-Passbook Savings

Franklin Security Bank Money Market Rates

0.40%$1m-ESSA Money Market Accounts

Franklin Security Bank Checking Account Rates

0.10%$100k-Relationship Checking
0.10%$1k-Business Plus Checking

Franklin Security Bank CD Rates

1.90%$1k-60 Month CD
1.40%$1k-48 Month CD
1.05%$1k-36 Month CD
1.00%$1k-30 Month CD
0.90%$1k-36 Month Step-Up CD
0.60%$1k-24 Month CD
0.45%$1k-18 Month CD
0.45%$1k-24 Month Step-Up CD
0.35%$1k-12 Month CD
0.30%$1k-12 Month Step-Up CD
0.25%$1k-182 Day CD
0.20%$10k-30 Day CD
0.15%$1k-91 Day CD

Franklin Security Bank Locations
Franklin Security Bank1065 Pa Hwy 315Wilkes Barre, PA 18702
Scranton Branch139 Wyoming AveScranton, PA 18503