This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Farmington, ME
Health score
76.3
Total assets
$786.9M
Bank
Patten, ME
Health score
77.3
Total assets
$1.2B
Answer first
Franklin Savings Bank leads on capitalization and profitability; Katahdin Trust Company leads on financial health and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Katahdin Trust Company
Higher TFS health score
Capitalization
Franklin Savings Bank
Higher comparable capital ratio
Profitability
Franklin Savings Bank
Higher return on assets
Lending quality
Katahdin Trust Company
Lower problem-loan measure
Growth
Katahdin Trust Company
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Franklin Savings Bank | Katahdin Trust Company |
|---|---|---|
| TFS health score | 76.3/100 | 77.3/100Leads |
| Total assets | $786.9M | $1.2B |
| Total deposits / shares | $601.1M | $965.9M |
| Tier 1 capital ratio | 18.79%Leads | 10.00% |
| Return on assets | 0.99%Leads | 0.90% |
| Return on equity | 5.50% | 9.27% |
Franklin Savings Bank
8 branches
Katahdin Trust Company
17 branches
Both institutions report branches in 1 state: ME.
Franklin Savings Bank
Unavailable
Katahdin Trust Company
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Franklin Savings Bank
0 in TFS registry
Katahdin Trust Company
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Franklin Savings Bank score | Franklin Savings Bank ROA | Katahdin Trust Company score | Katahdin Trust Company ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.73% | — | 0.90% |
| 2024-Q4 | — | 0.64% | — | 0.86% |
| 2025-Q1 | — | 0.76% | — | 0.91% |
| 2025-Q2 | — | 0.84% | — | 0.94% |
| 2025-Q3 | — | 0.85% | — | 0.96% |
| 2025-Q4 | — | 0.72% | — | 1.01% |
| 2026-Q1 | 78.1/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 1.36% | 0.48%Leads |
| Net charge-offs | 0.08% | 0.07%Leads |
| Efficiency ratio | 69.01% | 68.38%Leads |
| Loan-to-deposit ratio | 111.55% | 95.43% |
| Asset growth (YoY) | 4.19% | 6.68%Leads |
| Deposit / share growth (YoY) | 2.31% | 3.32%Leads |
| Branches | 8 | 17 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.95% |
| 77.7/100 |
| 0.92% |
| 2026-Q2 | 76.3/100 | 0.99% | 77.3/100 | 0.90% |