TellerScore

Headquartered in Franklin, New Hampshire, Franklin Savings Bank is a si with $931.4M in total assets and $776.1M in deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1869.

Franklin Savings Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 17 banks headquartered in New Hampshire, it ranks 9th. Problem-loan coverage contributes the most (92/100, 4.1%); capital cushion contributes the least (48/100, 9.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.75%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.50%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 93.5% · 22.7% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.09%

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 (66 → 66).

TellerScore
666870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202466
Q3 202467
Q4 202466
Q1 202566
Q2 202566
Q3 202567
Q4 202567
Q1 202670
Q2 202666
Tier 1 leverage ratio
5.00%7.38%9.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.48%
Q3 20249.41%
Q4 20249.48%
Q1 20259.41%
Q2 20259.16%
Q3 20259.26%
Q4 20259.34%
Q1 20269.53%
Q2 20269.75%
Noncurrent loans
0.01%0.25%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.01%
Q4 20240.01%
Q1 20250.02%
Q2 20250.02%
Q3 20250.03%
Q4 20250.04%
Q1 20260.11%
Q2 20260.50%
Return on assets
0.49%0.82%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.50%
Q3 20240.51%
Q4 20240.49%
Q1 20250.57%
Q2 20250.65%
Q3 20250.74%
Q4 20250.77%
Q1 20261.15%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$931.4M9.75%0.50%1.09%93.5%
Q1 202670$908.2M9.53%0.11%1.15%93.8%
Q4 202567$917.3M9.34%0.04%0.77%92.2%
Q3 202567$902.4M9.26%0.03%0.74%92.8%
Q2 202566$905.3M9.16%0.02%0.65%92.2%
Q1 202566$856.7M9.41%0.02%0.57%91.1%
Q4 202466$822.0M9.48%0.01%0.49%87.4%
Q3 202467$820.0M9.41%0.01%0.51%86.4%
Q2 202466$810.5M9.48%0.01%0.50%88.8%

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).

Capital ratio9.75%
26th
Total risk-based capital0.00%
24th
Problem loans0.50%
45th
Net charge-offs0.00%
52nd
Return on assets1.09%
40th
Net interest margin3.35%
22nd
Efficiency ratio61.9%
51st
Loans to deposits93.5%
19th
Uninsured deposits22.7%
54th
Loan-loss reserves0.89%
17th
Texas ratio4.1%
40th

Similar-size banks in New Hampshire

InstitutionScoreAssetsCapitalProblem loansCompare
Savings Bank of WalpoleBank Walpole, NH66 out of 100, Moderate$857.9M8.7%0.26%vs
Primary BankBank Bedford, NH73 out of 100, Strong$769.5M16.3%1.48%vs
Claremont Savings BankBank Claremont, NH68 out of 100, Moderate$619.7M12.4%0.45%vs
Salem Co-operative BankBank Salem, NH67 out of 100, Moderate$580.0M11.9%0.26%vs
First Seacoast BankBank Dover, NH58 out of 100, Moderate$576.3M8.9%0.03%vs
Sugar River BankBank Newport, NH80 out of 100, Strong$424.3M14.1%0.33%vs

Deposit insurance

Is my money safe at Franklin Savings Bank?

Yes. Franklin Savings Bank is an FDIC-insured institution (FDIC certificate #17951). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.7% of deposits ($175.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.75%, 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%).

Check how much of your own balance is covered

9 locations

Branches

Franklin Savings Bank lists 8 offices in 7 cities. Most locations:

  • Franklin, NH (2)
  • Boscawen, NH (1)
  • Bristol, NH (1)
  • Gilford, NH (1)
  • Goffstown, NH (1)
  • Merrimack, NH (1)
  • Tilton, NH (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Franklin Savings Bank reported 70 home-loan applications under HMDA (LEI 254900J6JRSKHU1Y0F98): 54 originated ($37,300,000 total), 9 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.3%, 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 Savings Bank
Type
SI
FDIC certificate #
17951
RSSD ID
491402
Primary regulator
FDIC
Holding company
Franklin Bcorp Mhc
Established
June 30, 1869
Headquarters
387 Central St, Franklin, NH 03235
Employees
105

Quick answers

Franklin Savings Bank: common questions

Is Franklin Savings Bank FDIC insured?

Yes. Franklin Savings Bank is an FDIC-insured institution (FDIC certificate #17951). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Franklin Savings Bank's TellerScore?

66 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 Franklin Savings Bank ever failed?

There is no failure record for FDIC certificate #17951 in the FDIC failed bank list.

How many branches does Franklin Savings Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Franklin

InstitutionScoreAssetsCapitalProblem loansCompare
New Hampshire Postal Credit UnionCredit union Manchester, NH100 out of 100, Very strong$68.5M22.6%0.03%vs
New Hampshire Federal Credit UnionCredit union Concord, NH85 out of 100, Very strong$331.6M13.8%0.07%vs
Sugar River BankBank Newport, NH80 out of 100, Strong$424.3M14.1%0.33%vs
Bar Harbor Bank & TrustBank Bar Harbor, ME73 out of 100, Strong$4.7B10.5%0.32%vs
Bank of New HampshireBank Laconia, NH72 out of 100, Strong$2.8B12.1%0.63%vs
Granite State Credit UnionCredit union Manchester, NH70 out of 100, Strong$749.5M9.9%0.49%vs