TellerScore

Headquartered in Winnsboro, Louisiana, Franklin State Bank & Trust Company is a state-chartered bank with $224.7M in total assets and $200.2M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1908.

Based on its Q2 2026 filing, Franklin State Bank & Trust Company scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 30th. Its strongest component is earnings (100/100; 2.05%), and its lowest is capital cushion (50/100; 10.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.03%
Loan quality75/100
Noncurrent loans ÷ total loans: 0.76%
Earnings100/100
Return on assets (annualized): 2.05%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 62.2% · 28.5% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.54%

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 6 points (81 → 75), mostly because the loan quality component weakened by 18 points.

TellerScore
667583Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202483
Q4 202478
Q1 202580
Q2 202581
Q3 202576
Q4 202566
Q1 202669
Q2 202675
Tier 1 leverage ratio
5.00%7.87%10.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.26%
Q3 202410.75%
Q4 20249.98%
Q1 202510.16%
Q2 202510.50%
Q3 202510.70%
Q4 20259.16%
Q1 20269.60%
Q2 202610.03%
Noncurrent loans
0.20%0.79%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.20%
Q3 20240.20%
Q4 20240.27%
Q1 20250.41%
Q2 20250.22%
Q3 20250.86%
Q4 20251.16%
Q1 20261.38%
Q2 20260.76%
Return on assets
1.63%1.99%2.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.25%
Q3 20242.09%
Q4 20241.75%
Q1 20252.24%
Q2 20251.93%
Q3 20251.90%
Q4 20251.63%
Q1 20262.34%
Q2 20262.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$224.7M10.03%0.76%2.05%62.2%
Q1 202669$227.2M9.60%1.38%2.34%56.2%
Q4 202566$234.7M9.16%1.16%1.63%50.4%
Q3 202576$223.3M10.70%0.86%1.90%59.9%
Q2 202581$220.8M10.50%0.22%1.93%62.0%
Q1 202580$218.0M10.16%0.41%2.24%57.1%
Q4 202478$220.1M9.98%0.27%1.75%50.7%
Q3 202483$207.2M10.75%0.20%2.09%60.5%
Q2 202481$205.4M10.26%0.20%2.25%66.1%

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 ratio10.03%
32nd
Total risk-based capital23.20%
91st
Problem loans0.76%
35th
Net charge-offs0.34%
8th
Return on assets2.05%
88th
Net interest margin4.68%
85th
Efficiency ratio58.3%
62nd
Loans to deposits62.2%
80th
Uninsured deposits28.5%
33rd
Loan-loss reserves1.28%
60th
Texas ratio4.5%
38th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Landmark BankBank Clinton, LA54 out of 100, Below average$229.8M11.5%1.91%vs
Plaquemine Bank & Trust CompanyBank Plaquemine, LA77 out of 100, Strong$218.3M12.2%0.00%vs
Exchange Bank and Trust Company, Natchitoches, LouisianaBank Natchitoches, LA75 out of 100, Strong$212.5M11.4%0.89%vs
Citizens Progressive BankBank Winnsboro, LA40 out of 100, Below average$243.3M11.3%4.51%vs
Bank of Abbeville & Trust CompanyBank Abbeville, LA62 out of 100, Moderate$245.5M12.9%2.49%vs
Currency BankBank Baton Rouge, LA86 out of 100, Very strong$248.5M13.4%0.14%vs

Deposit insurance

Is my money safe at Franklin State Bank & Trust Company?

Yes. Franklin State Bank & Trust Company is an FDIC-insured institution (FDIC certificate #11792). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.5% of deposits ($57.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.03%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.20% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Franklin State Bank & Trust Company lists 3 offices in 3 cities. Most locations:

  • Crowville, LA (1)
  • Winnsboro, LA (1)
  • Wisner, LA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Franklin State Bank & Trust Company
Type
State-chartered bank
FDIC certificate #
11792
RSSD ID
1006652
Primary regulator
FDIC
Holding company
Franklin Bcorp Inc
Established
January 1, 1908
Headquarters
802 Prairie St, Winnsboro, LA 71295
Employees
48

Quick answers

Franklin State Bank & Trust Company: common questions

Is Franklin State Bank & Trust Company FDIC insured?

Yes. Franklin State Bank & Trust Company is an FDIC-insured institution (FDIC certificate #11792). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Franklin State 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 State Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #11792 in the FDIC failed bank list.

How many branches does Franklin State Bank & Trust Company have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Winnsboro

InstitutionScoreAssetsCapitalProblem loansCompare
Sicily Island State BankBank Sicily Island, LA86 out of 100, Very strong$92.4M13.2%0.13%vs
District 58 Federal Credit UnionCredit union Chase, LA80 out of 100, Strong$6.1M16.2%0.48%vs
Richland Parish Schools Federal Credit UnionCredit union Rayville, LA74 out of 100, Strong$619K29.6%6.18%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs
Winnsboro State Bank & Trust CompanyBank Winnsboro, LA68 out of 100, Moderate$425.7M10.9%0.94%vs
b1BANKBank Baton Rouge, LA59 out of 100, Moderate$8.9B10.9%1.26%vs