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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · New Hampshire, the state note

Franklin Savings Bank

Franklin, New Hampshire · $931M in assets · beside the 9 other New Hampshire banks between $300M and $1B

The filing

0.50%
NPA / loans
8th of 10
1.8x
Coverage of noncurrent
7th of 9
94.3%
Loans / deposits
6th of 10

Franklin Savings Bank holds the most equity of the twelve New England banks between $300M and $1B, 17.9% of assets against a median of 9.6%. Maine alone has two banks in the band, so the cohort is regional. Return on assets is 1.00%, third of twelve, on an efficiency ratio of 69.0%, fourth.

Noncurrent loans are 1.36% of the book, ninth of twelve against a median of 0.70%, and the allowance covers them 0.6 times where the median is 1.9. A further 0.57% is 30 to 89 days past due, tenth. Commercial real estate is 16.2% of loans, second lowest in the group.

Loans stand at 112% of deposits, the highest in the cohort. Capital this deep changes what the credit numbers mean, and where the allowance sits against the delinquency pipeline is the question a board asks before an examiner does.

Noncurrent loans, share of loansNH banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.29% PS Piscataqua Savings Bank 0.00% PB Profile Bank 0.02% FS First Seacoast Bank 0.03% SC Salem Coop Bank 0.26% SB Savings Bank of Walpole 0.26% SR Sugar River Bank 0.33% CS Claremont Savings Bank 0.45% FS Franklin Savings Bank 0.50% MB Millyard Bank 0.85% PB Primary Bank 1.48%
Allowance as a multiple of noncurrent loansNH banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 2.0x FS First Seacoast Bank 26.8x PB Profile Bank 23.1x SB Savings Bank of Walpole 3.8x SC Salem Coop Bank 2.5x CS Claremont Savings Bank 2.0x SR Sugar River Bank 1.9x FS Franklin Savings Bank 1.8x MB Millyard Bank 1.1x PB Primary Bank 0.7x

SBA 7(a), FY2008 to FY2026

Franklin Savings Bank is the 65th largest 7(a) lender into New Hampshire of 177, with $4M across 28 loans, 0.2% of everything approved in the state (TD Bank, National Association leads with $151M). 4 of its 5 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New Hampshire, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Merrimack, NH$2M30th of 620.9%quiet FY2022
Strafford, NH$2M26th of 571.0%quiet FY2017
Belknap, NH$663K19th of 500.8%thin
Hillsborough, NH$278K90th of 1170.1%quiet FY2018
Grafton, NH$75K53rd of 560.1%quiet FY2011
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade8$2M59.4%0.00%1066th of 2,589
Manufacturing5$797K19.4%0.00%1486th of 2,246
Other services4$318K7.7%0.00%1656th of 2,248
Accommodation & food services4$219K5.3%0.00%2240th of 2,596
Professional & technical services2$190K4.6%0.00%1602nd of 1,955
7(a) lenders into New Hampshire, share of approvals since FY2008177 lenders on record; the ten largest and Franklin Savings Bank
TB TD Bank, National Association 8.3% $151M · 1,346 loans LO Live Oak Banking Company 6.9% $125M · 110 loans EB Eastern Bank 5.4% $98M · 739 loans PB Primary Bank 5.0% $91M · 246 loans Ma Manufacturers and Traders Trust C… 4.7% $86M · 412 loans CB Citizens Bank, National Associati… 4.0% $72M · 563 loans NB Needham Bank 3.7% $67M · 249 loans RT Rockland Trust Company 3.4% $62M · 258 loans BH Bar Harbor Bank & Trust 2.9% $53M · 374 loans BS Bangor Savings Bank 2.8% $50M · 279 loans FS Franklin Savings Bank 0.2% $4M · 28 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers, Franklin Savings Bank among them; owner-occupied excluded; bold marks a screen met
Franklin Savings BankRankCohort median
Total CRE against capital, the 300% screen368%10th of 10121%
Construction against capital, the 100% screen41%6th of 1041%
Construction and land development, share of loans5.0%5th of 105.7%
Non-owner-occupied nonfarm nonresidential, share of loans28.2%9th of 105.7%
Total CRE, the guidance definition, share of loans45.4%9th of 1017.0%
CRE growth over 36 months, the third prong+49.5%7th of 10+24.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Franklin Savings Bank$931M1.1%61.9%0.50%0.00%0.9%94.3%8.8%
Savings Bank of Walpole$858M0.8%72.5%0.26%-0.06%1.0%81.8%7.7%
Primary Bank$770M1.8%45.6%1.48%0.09%1.0%104.2%15.8%
Claremont Savings Bank$620M0.3%88.4%0.45%-0.02%0.9%103.5%11.7%
Salem Coop Bank$580M0.3%84.7%0.26%0.04%0.6%119.8%11.0%
First Seacoast Bank$576M-0.1%102.8%0.03%0.00%0.8%89.3%8.2%
Sugar River Bank$424M0.6%76.5%0.33%0.03%0.6%80.5%11.6%
Piscataqua Savings Bank$373M0.4%83.1%0.00%0.00%0.7%66.4%11.1%
Millyard Bank$333M0.6%68.5%0.85%0.00%0.9%95.4%9.2%
Profile Bank$317M0.3%90.6%0.02%0.01%0.4%71.0%8.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Franklin Savings BankCohort median
20212026Change20212026Change
Loans$422M$732M+74%$348M$454M+31%
Deposits$587M$776M+32%$366M$439M+20%
NPA / loans0.30%0.50%+0.20 pts0.38%0.29%-0.09 pts
Efficiency69.7%61.9%-7.8 pts82.4%79.8%-2.6 pts
ROA0.85%1.09%+0.23 pts0.48%0.50%+0.02 pts

This read was prepared for Franklin Savings Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Franklin Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NH banks $300M to $1B
Institution www.fsbnh.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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