Headquartered in Farmington, Maine, Franklin Savings Bank is a state-chartered bank (fed member) with $786.9M in total assets and $601.1M in deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1868.
Franklin Savings 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 22 banks headquartered in Maine, it ranks 9th. Capital cushion contributes the most (100/100, 18.79%); funding & liquidity contributes the least (50/100, 112% loans-to-deposits, 8% 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
The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 73 |
| Q4 2024 | 72 |
| Q1 2025 | 73 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 68 |
| Q1 2026 | 72 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 19.81% |
| Q3 2024 | 19.33% |
| Q4 2024 | 18.99% |
| Q1 2025 | 18.72% |
| Q2 2025 | 18.90% |
| Q3 2025 | 18.57% |
| Q4 2025 | 18.63% |
| Q1 2026 | 18.64% |
| Q2 2026 | 18.79% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 1.00% |
| Q4 2024 | 0.92% |
| Q1 2025 | 1.05% |
| Q2 2025 | 1.31% |
| Q3 2025 | 1.35% |
| Q4 2025 | 1.57% |
| Q1 2026 | 1.32% |
| Q2 2026 | 1.36% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.84% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.72% |
| Q1 2026 | 0.95% |
| Q2 2026 | 0.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $786.9M | 18.79% | 1.36% | 0.99% | 111.5% |
| Q1 2026 | 72 | $764.6M | 18.64% | 1.32% | 0.95% | 109.1% |
| Q4 2025 | 68 | $775.8M | 18.63% | 1.57% | 0.72% | 107.9% |
| Q3 2025 | 71 | $770.4M | 18.57% | 1.35% | 0.85% | 109.7% |
| Q2 2025 | 71 | $755.2M | 18.90% | 1.31% | 0.84% | 108.7% |
| Q1 2025 | 73 | $733.6M | 18.72% | 1.05% | 0.76% | 106.1% |
| Q4 2024 | 72 | $726.0M | 18.99% | 0.92% | 0.64% | 113.0% |
| Q3 2024 | 73 | $712.5M | 19.33% | 1.00% | 0.73% | 114.2% |
| Q2 2024 | 73 | $693.6M | 19.81% | 0.97% | 0.66% | 117.0% |
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 Maine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Skowhegan Savings BankBank Skowhegan, ME | 88 out of 100, Very strong | $855.0M | 15.8% | 0.42% | vs |
| Aroostook County Federal Savings and Loan AssociationBank Caribou, ME | 68 out of 100, Moderate | $214.0M | 10.4% | 0.39% | vs |
| First Federal Savings and Loan Association of BathBank Bath, ME | 54 out of 100, Below average | $189.1M | 14.8% | 2.89% | vs |
| Auburn Savings Bank, FSBBank Auburn, ME | 56 out of 100, Moderate | $103.2M | 8.0% | 0.02% | vs |
| Bar Harbor Savings and Loan AssociationBank Bar Harbor, ME | 48 out of 100, Below average | $103.2M | 11.5% | 2.13% | vs |
Deposit insurance
Is my money safe at Franklin Savings Bank?
Yes. Franklin Savings Bank is an FDIC-insured institution (FDIC certificate #19836). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.6% of deposits ($45.5M) 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 18.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.85% (benchmark: 10%).
9 locations
Branches
Franklin Savings Bank lists 6 offices in 6 cities. Most locations:
- Ellsworth, ME (1)
- Farmington, ME (1)
- Jay, ME (1)
- Rangeley, ME (1)
- Rumford, ME (1)
- Skowhegan, ME (1)
Identity & history
Profile
- Legal name
- Franklin Savings Bank
- Former names
- Franklin County Savings Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 19836
- RSSD ID
- 228000
- Primary regulator
- FED
- Holding company
- FSB Bcorp Mhc
- Established
- November 16, 1868
- Headquarters
- 197 Main St, Farmington, ME 04938
- Website
- www.franklinsavings.bank
- Employees
- 147
Quick answers
Franklin Savings Bank: common questions
Is Franklin Savings Bank FDIC insured?
Yes. Franklin Savings Bank is an FDIC-insured institution (FDIC certificate #19836). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Franklin Savings 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 Savings Bank ever failed?
There is no failure record for FDIC certificate #19836 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 Farmington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oxford Federal Credit UnionCredit union Mexico, ME | 91 out of 100, Very strong | $370.2M | 16.2% | 0.48% | vs |
| Skowhegan Savings BankBank Skowhegan, ME | 88 out of 100, Very strong | $855.0M | 15.8% | 0.42% | vs |
| K V Federal Credit UnionCredit union Augusta, ME | 84 out of 100, Strong | $139.6M | 12.4% | 0.13% | vs |
| Franklin-Somerset Federal Credit UnionCredit union Madison, ME | 81 out of 100, Strong | $149.3M | 12.9% | 0.75% | vs |
| Otis Federal Credit UnionCredit union Jay, ME | 80 out of 100, Strong | $300.3M | 16.1% | 1.56% | vs |
| The Camden National BankBank Camden, ME | 69 out of 100, Moderate | $6.9B | 9.1% | 0.24% | vs |