Side-by-side · Q2 2026 data
Caldwell Bank & Trust Company vs Franklin State Bank & Trust Company
Metric by metric
| Measure | Caldwell Bank & Trust Company | Franklin State Bank & Trust Company |
|---|---|---|
| TellerScore | 41 | 75 (stronger) |
| Capital cushion | 50 | 50 |
| Loan quality | 5 | 75 (stronger) |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 52 | 83 (stronger) |
| Problem-loan coverage | 55 | 91 (stronger) |
| Peer percentile | 3rd | 61st |
| Total assets | $298.6M | $224.7M |
| Deposits / shares | $257.6M | $200.2M |
| Capital ratio | 10.03% (stronger) | 10.03% |
| Problem loans | 2.86% | 0.76% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.34% |
| Return on assets | 0.98% | 2.05% (stronger) |
| Loans ÷ deposits | 87.6% | 62.2% (stronger) |
| Uninsured deposits | 34.0% | 28.5% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Franklin State Bank & Trust Company has the higher TellerScore (75 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Caldwell Bank & Trust Company leads on 2 and Franklin State Bank & Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Winnsboro, LA