Bank of Franklin County is a state-chartered bank headquartered in Washington, Missouri, in business for about 26 years. At the end of Q2 2026 it reported $419.4M in total assets and $357.5M in deposits, with 6 offices.
Based on its Q2 2026 filing, Bank of Franklin County scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 141st. Its strongest component is problem-loan coverage (93/100; 3.6%), and its lowest is capital cushion (45/100; 9.53%).
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 (64 → 65).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 58 |
| Q4 2024 | 62 |
| Q1 2025 | 63 |
| Q2 2025 | 64 |
| Q3 2025 | 63 |
| Q4 2025 | 65 |
| Q1 2026 | 64 |
| Q2 2026 | 65 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.76% |
| Q3 2024 | 8.62% |
| Q4 2024 | 8.71% |
| Q1 2025 | 8.83% |
| Q2 2025 | 8.96% |
| Q3 2025 | 9.26% |
| Q4 2025 | 9.41% |
| Q1 2026 | 9.54% |
| Q2 2026 | 9.53% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.28% |
| Q4 2025 | 0.14% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.27% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.61% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $419.4M | 9.53% | 0.27% | 0.74% | 95.6% |
| Q1 2026 | 64 | $416.4M | 9.54% | 0.35% | 0.72% | 97.0% |
| Q4 2025 | 65 | $408.7M | 9.41% | 0.14% | 0.65% | 97.0% |
| Q3 2025 | 63 | $417.2M | 9.26% | 0.28% | 0.61% | 98.9% |
| Q2 2025 | 64 | $419.3M | 8.96% | 0.03% | 0.54% | 96.2% |
| Q1 2025 | 63 | $422.5M | 8.83% | 0.03% | 0.43% | 94.9% |
| Q4 2024 | 62 | $424.1M | 8.71% | 0.10% | 0.42% | 95.3% |
| Q3 2024 | 58 | $424.0M | 8.62% | 0.32% | 0.33% | 97.9% |
| Q2 2024 | 61 | $417.1M | 8.76% | 0.09% | 0.29% | 97.0% |
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 Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| MA BankBank Macon, MO | 65 out of 100, Moderate | $417.3M | 9.5% | 0.96% | vs |
| Heritage Bank of the OzarksBank Lebanon, MO | 45 out of 100, Below average | $424.0M | 9.6% | 2.74% | vs |
| Branson BankBank Branson, MO | 66 out of 100, Moderate | $414.1M | 9.2% | 0.60% | vs |
| Central Bank of Kansas CityBank Kansas City, MO | 82 out of 100, Strong | $410.2M | 11.9% | 0.13% | vs |
| Pony Express BankBank Braymer, MO | 76 out of 100, Strong | $399.5M | 10.2% | 0.17% | vs |
| Community Bank and TrustBank Neosho, MO | 72 out of 100, Strong | $445.1M | 8.4% | 0.13% | vs |
Deposit insurance
Is my money safe at Bank of Franklin County?
Yes. Bank of Franklin County is an FDIC-insured institution (FDIC certificate #35543). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.9% of deposits ($42.7M) 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 9.53%, 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%).
6 locations
Branches
Bank of Franklin County lists 6 offices in 4 cities. Most locations:
- Washington, MO (3)
- Ellisville, MO (1)
- New Haven, MO (1)
- O Fallon, MO (1)
HMDA 2025
Mortgage lending
In 2025, Bank of Franklin County reported 86 home-loan applications under HMDA (LEI 549300BI43WZOK3XF350): 59 originated ($20,005,000 total), 8 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Bank of Franklin County
- Type
- State-chartered bank
- FDIC certificate #
- 35543
- RSSD ID
- 2913702
- Primary regulator
- FDIC
- Holding company
- Franklin Bcorp Inc
- Established
- August 28, 2000
- Headquarters
- 900 E 8th St, Washington, MO 63090
- Website
- www.bankoffranklincounty.com
- Employees
- 74
Quick answers
Bank of Franklin County: common questions
Is Bank of Franklin County FDIC insured?
Yes. Bank of Franklin County is an FDIC-insured institution (FDIC certificate #35543). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Franklin County's TellerScore?
65 out of 100 (Moderate), 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 County ever failed?
There is no failure record for FDIC certificate #35543 in the FDIC failed bank list.
How many branches does Bank of Franklin County have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Legends BankBank Linn, MO | 90 out of 100, Very strong | $635.5M | 18.3% | 0.51% | vs |
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
| First State Bank of St. Charles, MissouriBank St. Charles, MO | 85 out of 100, Very strong | $535.2M | 15.6% | 0.40% | vs |
| Farmers and Merchants Bank of St. ClairBank Saint Clair, MO | 84 out of 100, Strong | $343.5M | 12.8% | 0.00% | vs |
| The Bank of HoustonBank Houston, MO | 82 out of 100, Strong | $67.4M | 14.1% | 0.16% | vs |