Headquartered in Pilesgrove, New Jersey, Franklin Bank is a si with $334.1M in total assets and $301.3M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1861.
Franklin Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 15th. Problem-loan coverage contributes the most (98/100, 1.0%); earnings contributes the least (47/100, 0.68%).
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
From Q2 2025 to Q2 2026, the score rose 2 points (70 → 72), mostly because the earnings component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 71 |
| Q1 2025 | 69 |
| Q2 2025 | 70 |
| Q3 2025 | 70 |
| Q4 2025 | 69 |
| Q1 2026 | 71 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.85% |
| Q3 2024 | 10.18% |
| Q4 2024 | 10.03% |
| Q1 2025 | 9.98% |
| Q2 2025 | 10.04% |
| Q3 2025 | 10.14% |
| Q4 2025 | 10.01% |
| Q1 2026 | 10.11% |
| Q2 2026 | 10.28% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.19% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.15% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.65% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.45% |
| Q1 2026 | 0.55% |
| Q2 2026 | 0.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $334.1M | 10.28% | 0.15% | 0.68% | 70.7% |
| Q1 2026 | 71 | $337.4M | 10.11% | 0.13% | 0.55% | 68.6% |
| Q4 2025 | 69 | $334.4M | 10.01% | 0.19% | 0.45% | 69.4% |
| Q3 2025 | 70 | $327.8M | 10.14% | 0.11% | 0.42% | 70.1% |
| Q2 2025 | 70 | $325.5M | 10.04% | 0.11% | 0.40% | 70.5% |
| Q1 2025 | 69 | $326.8M | 9.98% | 0.13% | 0.33% | 68.5% |
| Q4 2024 | 71 | $321.4M | 10.03% | 0.13% | 0.59% | 69.4% |
| Q3 2024 | 72 | $317.8M | 10.18% | 0.11% | 0.65% | 68.7% |
| Q2 2024 | 72 | $317.3M | 9.85% | 0.12% | 0.67% | 67.2% |
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 New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Bank of Sea Isle CityBank Sea Isle City, NJ | 62 out of 100, Moderate | $311.1M | 9.7% | 0.00% | vs |
| United Roosevelt Savings BankBank Carteret, NJ | 57 out of 100, Moderate | $381.2M | 9.1% | 0.03% | vs |
| The Pennsville National BankBank Pennsville, NJ | 66 out of 100, Moderate | $281.8M | 10.2% | 1.41% | vs |
| Ascendia BankBank Glen Rock, NJ | 62 out of 100, Moderate | $395.3M | 9.3% | 0.13% | vs |
| The First National Bank of ElmerBank Elmer, NJ | 58 out of 100, Moderate | $407.8M | 10.0% | 1.14% | vs |
| Lusitania Savings BankBank Newark, NJ | 86 out of 100, Very strong | $418.1M | 15.0% | 0.19% | vs |
Deposit insurance
Is my money safe at Franklin Bank?
Yes. Franklin Bank is an FDIC-insured institution (FDIC certificate #30402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.7% of deposits ($41.3M) 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 10.28%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.26% (benchmark: 10%).
8 locations
Branches
Franklin Bank lists 6 offices in 6 cities. Most locations:
- Franklinville, NJ (1)
- Ocean View, NJ (1)
- Pennsville, NJ (1)
- Pilesgrove, NJ (1)
- Salem, NJ (1)
- Woolwich Township, NJ (1)
Identity & history
Profile
- Legal name
- Franklin Bank
- Former names
- The Franklin Savings Bank, S.L.A.; The Franklin Savings and Loan Association
- Type
- SI
- FDIC certificate #
- 30402
- RSSD ID
- 574079
- Primary regulator
- FDIC
- Established
- January 1, 1861
- Headquarters
- 1179 Route 40, Pilesgrove, NJ 08098
- Website
- www.franklinbnk.com
- Employees
- 66
Quick answers
Franklin Bank: common questions
Is Franklin Bank FDIC insured?
Yes. Franklin Bank is an FDIC-insured institution (FDIC certificate #30402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Franklin Bank's TellerScore?
72 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 Franklin Bank ever failed?
There is no failure record for FDIC certificate #30402 in the FDIC failed bank list.
How many branches does Franklin Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pilesgrove
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Police & Fire Federal Credit UnionCredit union Philadelphia, PA | 96 out of 100, Very strong | $10.2B | 18.6% | 0.24% | vs |
| Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH | 95 out of 100, Very strong | $45.5M | 17.8% | 0.34% | vs |
| HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE | 94 out of 100, Very strong | $57.2M | 97.8% | 0.00% | vs |
| Applied BankBank Wilmington, DE | 93 out of 100, Very strong | $274.1M | 17.5% | 0.00% | vs |
| Deutsche Bank Trust Company DelawareBank Newark, DE | 93 out of 100, Very strong | $141.4M | 93.2% | 0.00% | vs |
| Holy Trinity Baptist Federal Credit UnionCredit union Philadelphia, PA | 93 out of 100, Very strong | $30K | 30.3% | 0.00% | vs |