Franklin Bank & Trust Company

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fbtco.com

270-586-7121

317 North Main Street
Franklin, KY 42134

Franklin Bank & Trust Company is headquartered in FRANKLIN and is the 23^rd largest bank in the state of Kentucky. It is also the 1,292^nd largest bank in the nation. It was established in 1958 and as of March of 2025, it had grown to 79 employees at 5 locations. Franklin Bank & Trust Company has an A health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	17937
Year Established	1958
Employees	79
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.23%
Return on Equity - YTD	9.83%
Annual Interest Income	$10.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$766.2MM$799.3MM
Loans	Q1 2025vs Q1 2024	$633.8MM$645.4MM
Deposits	Q1 2025vs Q1 2024	$648.9MM$674.7MM
Equity Capital	Q1 2025vs Q1 2024	$95.9MM$88.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$6.4MM$6.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.1MM$8.6MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$442K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Franklin Bank & Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$0	$25k	My Hometown Saver
OTHER TIERS: 0.10% → $25k+

Franklin Bank & Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$0	$25k	My Hometown Cash
OTHER TIERS: 0.10% → $25k+

Locations

Franklin Bank & Trust Company Locations
Bowling Green/Gary Farms Branch	2305 Gary Farms Blvd	Bowling Green, KY 42104
Franklin Bank & Trust Company	317 N Main St	Franklin, KY 42134
Bowling Green Branch	661 Dishman Lane Ext	Bowling Green, KY 42104
South Branch	903 South Main Street	Franklin, KY 42135
Lovers Lane	398 Lovers Lane	Bowling Green, KY 42104

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