Bank of Franklin is a state-chartered bank headquartered in Meadville, Mississippi, in business for about 114 years. At the end of Q2 2026 it reported $302.3M in total assets and $267.8M in deposits, with 5 offices.
Bank of Franklin has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 30th. Problem-loan coverage contributes the most (93/100, 3.3%); capital cushion contributes the least (49/100, 9.88%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 69 |
| Q1 2025 | 70 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 70 |
| Q1 2026 | 69 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.30% |
| Q3 2024 | 11.44% |
| Q4 2024 | 11.78% |
| Q1 2025 | 12.08% |
| Q2 2025 | 12.18% |
| Q3 2025 | 12.35% |
| Q4 2025 | 12.43% |
| Q1 2026 | 10.89% |
| Q2 2026 | 9.88% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.21% |
| Q3 2024 | 1.11% |
| Q4 2024 | 1.24% |
| Q1 2025 | 1.09% |
| Q2 2025 | 1.03% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.18% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.27% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.45% |
| Q3 2024 | 1.41% |
| Q4 2024 | 1.47% |
| Q1 2025 | 1.24% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.38% |
| Q4 2025 | 1.33% |
| Q1 2026 | 0.78% |
| Q2 2026 | 0.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $302.3M | 9.88% | 0.27% | 0.96% | 77.6% |
| Q1 2026 | 69 | $303.3M | 10.89% | 0.60% | 0.78% | 75.0% |
| Q4 2025 | 70 | $261.0M | 12.43% | 1.18% | 1.33% | 88.6% |
| Q3 2025 | 71 | $252.1M | 12.35% | 1.12% | 1.38% | 86.1% |
| Q2 2025 | 71 | $249.5M | 12.18% | 1.03% | 1.36% | 80.4% |
| Q1 2025 | 70 | $243.8M | 12.08% | 1.09% | 1.24% | 78.4% |
| Q4 2024 | 69 | $235.4M | 11.78% | 1.24% | 1.47% | 80.3% |
| Q3 2024 | 69 | $233.5M | 11.44% | 1.11% | 1.41% | 77.3% |
| Q2 2024 | 69 | $233.0M | 11.30% | 1.21% | 1.45% | 75.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of ForestBank Forest, MS | 68 out of 100, Moderate | $296.3M | 10.9% | 1.30% | vs |
| The Commercial BankBank De Kalb, MS | 72 out of 100, Strong | $295.5M | 10.6% | 0.25% | vs |
| First Southern BankBank Columbia, MS | 83 out of 100, Strong | $317.3M | 10.6% | 0.00% | vs |
| Bank of Yazoo CityBank Yazoo City, MS | 79 out of 100, Strong | $318.2M | 12.0% | 0.01% | vs |
| FNB Picayune BankBank Picayune, MS | 86 out of 100, Very strong | $282.3M | 15.4% | 1.26% | vs |
| Unity Bank of MississippiBank Holly Springs, MS | 61 out of 100, Moderate | $281.8M | 11.0% | 0.80% | vs |
Deposit insurance
Is my money safe at Bank of Franklin?
Yes. Bank of Franklin is an FDIC-insured institution (FDIC certificate #10594). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.9% of deposits ($55.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.88%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Bank of Franklin lists 4 offices in 4 cities. Most locations:
- Brookhaven, MS (1)
- Mccomb, MS (1)
- Meadville, MS (1)
- Natchez, MS (1)
Identity & history
Profile
- Legal name
- Bank of Franklin
- Type
- State-chartered bank
- FDIC certificate #
- 10594
- RSSD ID
- 68831
- Primary regulator
- FDIC
- Holding company
- Franklin Bancshares Inc
- Established
- January 12, 1912
- Headquarters
- 9 Main St E, Meadville, MS 39653
- Website
- www.bankoffranklin.com
- Employees
- 61
Quick answers
Bank of Franklin: common questions
Is Bank of Franklin FDIC insured?
Yes. Bank of Franklin is an FDIC-insured institution (FDIC certificate #10594). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Franklin's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Franklin ever failed?
There is no failure record for FDIC certificate #10594 in the FDIC failed bank list.
How many branches does Bank of Franklin have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Meadville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Mississippi BankBank Natchez, MS | 75 out of 100, Strong | $560.7M | 11.0% | 0.19% | vs |
| Trustmark BankBank Jackson, MS | 62 out of 100, Moderate | $19.2B | 10.4% | 1.14% | vs |