Side-by-side · Q2 2026 data
German American Bank vs Franklin Bank & Trust Company
Metric by metric
| Measure | German American Bank | Franklin Bank & Trust Company |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 62 | 85 (stronger) |
| Loan quality | 85 (stronger) | 64 |
| Earnings | 91 (stronger) | 83 |
| Funding & liquidity | 46 | 53 (stronger) |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 77th | 61st |
| Total assets | $8.4B | $803.6M |
| Deposits / shares | $7.1B | $650.7M |
| Capital ratio | 11.19% | 13.48% (stronger) |
| Problem loans | 0.45% (stronger) | 1.08% |
| Net charge-offs | 0.06% (stronger) | 0.15% |
| Return on assets | 1.76% (stronger) | 1.57% |
| Loans ÷ deposits | 83.0% (stronger) | 105.0% |
| Uninsured deposits | 42.8% | 16.8% (stronger) |
| Offices | 89 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 2.3% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), German American Bank leads on 4 and Franklin Bank & Trust Company 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
- Bowling Green, KY
- Franklin, KY