Headquartered in Franklin, Kentucky, Franklin Bank & Trust Company is a state-chartered bank with $803.6M in total assets and $650.7M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1958.
Franklin Bank & Trust Company has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 44th. Problem-loan coverage contributes the most (87/100, 6.5%); funding & liquidity contributes the least (53/100, 105% loans-to-deposits, 17% uninsured).
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 fell 5 points (80 → 75), mostly because the loan quality component weakened by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 66 |
| Q4 2024 | 78 |
| Q1 2025 | 78 |
| Q2 2025 | 80 |
| Q3 2025 | 79 |
| Q4 2025 | 77 |
| Q1 2026 | 77 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.92% |
| Q3 2024 | 12.57% |
| Q4 2024 | 12.94% |
| Q1 2025 | 12.77% |
| Q2 2025 | 13.11% |
| Q3 2025 | 13.31% |
| Q4 2025 | 13.40% |
| Q1 2026 | 13.26% |
| Q2 2026 | 13.48% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.36% |
| Q3 2024 | 1.36% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.32% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.82% |
| Q2 2026 | 1.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.16% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.32% |
| Q1 2025 | 1.23% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.39% |
| Q1 2026 | 1.60% |
| Q2 2026 | 1.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $803.6M | 13.48% | 1.08% | 1.57% | 105.0% |
| Q1 2026 | 77 | $802.6M | 13.26% | 0.82% | 1.60% | 103.4% |
| Q4 2025 | 77 | $801.3M | 13.40% | 0.55% | 1.39% | 107.9% |
| Q3 2025 | 79 | $777.2M | 13.31% | 0.43% | 1.34% | 99.4% |
| Q2 2025 | 80 | $750.8M | 13.11% | 0.30% | 1.29% | 100.2% |
| Q1 2025 | 78 | $766.2M | 12.77% | 0.32% | 1.23% | 97.7% |
| Q4 2024 | 78 | $754.0M | 12.94% | 0.33% | 1.32% | 106.6% |
| Q3 2024 | 66 | $734.8M | 12.57% | 1.36% | 1.20% | 103.0% |
| Q2 2024 | 63 | $745.2M | 11.92% | 1.36% | 1.16% | 102.3% |
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 Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers Bank and Trust CompanyBank Marion, KY | 74 out of 100, Strong | $794.0M | 9.2% | 0.23% | vs |
| Cumberland Valley National Bank & Trust CompanyBank London, KY | 69 out of 100, Moderate | $816.1M | 9.5% | 0.22% | vs |
| Wilson & Muir Bank & Trust CompanyBank Bardstown, KY | 76 out of 100, Strong | $818.4M | 9.4% | 0.27% | vs |
| FNB Bank, Inc.Bank Mayfield, KY | 65 out of 100, Moderate | $770.0M | 8.5% | 0.68% | vs |
| First & Farmers National Bank, Inc.Bank Somerset, KY | 75 out of 100, Strong | $714.2M | 11.5% | 0.77% | vs |
| The Citizens National Bank of SomersetBank Somerset, KY | 75 out of 100, Strong | $700.9M | 9.0% | 0.18% | vs |
Deposit insurance
Is my money safe at Franklin Bank & Trust Company?
Yes. Franklin Bank & Trust Company is an FDIC-insured institution (FDIC certificate #17937). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.8% of deposits ($109.4M) 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 13.48%, well 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
Franklin Bank & Trust Company lists 5 offices in 2 cities. Most locations:
- Bowling Green, KY (3)
- Franklin, KY (2)
HMDA 2025
Mortgage lending
In 2025, Franklin Bank & Trust Company reported 132 home-loan applications under HMDA (LEI 5493008MFIR0PTRGGL44): 125 originated ($43,935,000 total), 3 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.3%, 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
- Franklin Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 17937
- RSSD ID
- 493844
- Primary regulator
- FDIC
- Holding company
- Franklin Bcorp Inc
- Established
- December 1, 1958
- Headquarters
- 317 N Main St, Franklin, KY 42134
- Website
- www.fbtco.com
- Employees
- 84
Quick answers
Franklin Bank & Trust Company: common questions
Is Franklin Bank & Trust Company FDIC insured?
Yes. Franklin Bank & Trust Company is an FDIC-insured institution (FDIC certificate #17937). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Franklin Bank & Trust Company's TellerScore?
75 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 & Trust Company ever failed?
There is no failure record for FDIC certificate #17937 in the FDIC failed bank list.
How many branches does Franklin Bank & Trust Company have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Franklin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Farmers BankBank Portland, TN | 89 out of 100, Very strong | $942.8M | 15.1% | 0.53% | vs |
| Edmonton State BankBank Glasgow, KY | 82 out of 100, Strong | $1.2B | 11.5% | 0.32% | vs |
| Credit Union for Robertson CountyCredit union Springfield, TN | 80 out of 100, Strong | $85.3M | 13.1% | 0.59% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| Farmers Bank and Trust CompanyBank Marion, KY | 74 out of 100, Strong | $794.0M | 9.2% | 0.23% | vs |
| Macon Bank and Trust CompanyBank Lafayette, TN | 73 out of 100, Strong | $820.5M | 9.9% | 0.08% | vs |