Franklin State Bank & Trust Company

BankWinnsboro, Louisiana
www.fsbnet.com

Total Assets

$234.7M

Total Deposits

$211.8M

Branches

4

Established

1908

TFS Health Grade

$
C-

72.3 / 100

Average financial health

How we grade

Franklin State Bank & Trust Company is a bank headquartered in Winnsboro, Louisiana, established in 1908. With $234.7M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C- (72.3/100).

Capital & Safety

Tier 1 Capital Ratio
9.16%(8%)
Total Capital Ratio
23.28%(10%)
Non-Performing Loan Ratio
1.16%

Profitability

Return on Assets (ROA)
1.63%(1%)
Return on Equity (ROE)
16.41%(10%)
Net Interest Margin
4.57%
Efficiency Ratio
63.70%(60%)

Lending & Liquidity

Total Loans
$108.6M
Loan-to-Deposit Ratio
50.43%
Net Charge-Off Ratio
0.05%

Growth

Asset Growth (YoY)
+6.61%
Deposit Growth (YoY)
+7.02%
Net Income
$3.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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