Every 10-Q that Franklin Finl Svcs Corp (FRAF) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow FRAF and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FRAF filings page.
Franklin Financial Services Corporation reported higher profitability for the three and six months ended June 30, 2026. Six‑month net income rose to $13.2 million from $9.8 million, with diluted EPS increasing to $2.94 from $2.20. Net interest income for the six months increased to $37.9 million from $32.8 million as interest expense declined, while provisions for credit losses also increased.
Total assets were $2.34 billion at June 30, 2026, up from $2.24 billion at year‑end 2025, driven mainly by loan growth to $1.61 billion and higher interest‑earning deposits with other banks. Total deposits grew to $1.92 billion, and shareholders’ equity rose to $183.8 million. The available‑for‑sale securities portfolio had a fair value of $452.3 million with $29.4 million in unrealized losses, contributing to accumulated other comprehensive loss of $23.5 million, slightly worse than year‑end. The allowance for credit losses on loans increased to $21.9 million, reflecting credit risk provisioning alongside balance‑sheet growth.
Franklin Financial Services Corporation reported stronger results for the three months ended March 31, 2026. Net income rose to $6.6 million from $3.9 million a year earlier, with diluted earnings per share increasing to $1.48 from $0.88. Total interest income was $27.8 million and net interest income improved to $18.5 million, helped by lower interest expense. Credit costs eased, with total provision for credit losses at $0.2 million versus $0.8 million in the prior-year quarter. Noninterest income grew to $5.4 million, supported by higher wealth management fees and gains on loan sales, while noninterest expense increased modestly to $15.4 million. Total assets reached $2.30 billion, loans were $1.57 billion, and deposits were $1.89 billion. Regulatory capital ratios at the bank subsidiary remained comfortably above “well capitalized” thresholds, with a common equity Tier 1 ratio of 12.39% and a Tier 1 leverage ratio of 8.99%.
Franklin Financial Services (FRAF) reported stronger Q3 results. Net income rose to $5,354 from $4,218 a year ago as net interest income increased to $18,193 from $14,652. Basic EPS was $1.20 versus $0.96. For the nine months, net income was $15,183 compared to $10,612.
Total assets reached $2,297,077, supported by loan growth to $1,563,867 from $1,398,077 and deposits of $1,902,895 from $1,815,647. Shareholders’ equity improved to $166,343, aided by an improvement in accumulated other comprehensive loss to $(25,806) from $(35,508) as unrealized losses on AFS securities narrowed to $30,932 from $45,710.
Credit costs increased with a Q3 provision of $1,198 and allowance for credit losses at $20,352 versus $17,653. The company identified two collateral-dependent commercial real estate loans totaling $10,200 and established an $894 specific reserve on a construction loan. Subordinated notes declined to $10,841, following a $9,000 redemption year-to-date. There were 4,479,037 common shares outstanding as of October 31, 2025.