Side-by-side · Q2 2026 data
Franklin State Bank & Trust Company vs b1BANK
Metric by metric
| Measure | Franklin State Bank & Trust Company | b1BANK |
|---|---|---|
| TellerScore | 75 (stronger) | 59 |
| Capital cushion | 50 | 59 (stronger) |
| Loan quality | 75 (stronger) | 58 |
| Earnings | 100 (stronger) | 69 |
| Funding & liquidity | 83 (stronger) | 34 |
| Problem-loan coverage | 91 (stronger) | 81 |
| Peer percentile | 61st | 19th |
| Total assets | $224.7M | $8.9B |
| Deposits / shares | $200.2M | $7.3B |
| Capital ratio | 10.03% | 10.91% (stronger) |
| Problem loans | 0.76% (stronger) | 1.26% |
| Net charge-offs | 0.34% | 0.12% (stronger) |
| Return on assets | 2.05% (stronger) | 1.23% |
| Loans ÷ deposits | 62.2% (stronger) | 90.8% |
| Uninsured deposits | 28.5% (stronger) | 46.7% |
| Offices | 3 | 56 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.0% |
Franklin State Bank & Trust Company has the higher TellerScore (75 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Franklin State Bank & Trust Company leads on 5 and b1BANK on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Winnsboro, LA