Franklin Financial (Nasdaq: FRAF) lifts Q1 2026 EPS to $1.48 and ROE 15.13%

Rhea-AI Filing Summary

Franklin Financial Services Corporation, parent of F&M Trust, furnished an investor presentation highlighting first‑quarter 2026 performance. Net income was $6.6 million ($6,637 thousand) with diluted EPS of $1.48, compared with $1.35 in Q4 2025 and $0.88 in Q1 2025. Net interest margin reached 3.53%, while return on average assets and equity were 1.20% and 15.13%, respectively; the quarterly dividend was $0.33 per share.

The company reported total assets of $2.3B, total loans of $1.6B, and total deposits of $1.9B, with a market capitalization of about $230M. Asset quality indicators remained low, including nonperforming assets at 0.37% of total assets and an allowance for credit losses of 1.32% of total loans. Capital metrics included a Tier 1 common equity ratio of 11.81% and a tangible common equity ratio of 7.42%, supporting tangible book value of $37.78 per share. The presentation also noted approximately $1.4B in wealth management assets under management.

Filing Explained

The July 24 Form 8-K furnishes the investor presentation for executive meetings; its stated effect is informational, because the presentation is not filed under Section 18 or incorporated by reference unless specifically incorporated, creating no disclosed ownership or obligation change for common holders.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Diluted EPS: $1.48 Net income: $6,637 thousand Return on average assets: 1.20% +5 more

8 metrics

Diluted EPS $1.48 Q1 2026 diluted earnings per share

Net income $6,637 thousand Q1 2026 net income (thousands)

Return on average assets 1.20% Q1 2026 ROA

Return on average equity 15.13% Q1 2026 ROE

Net interest margin 3.53% Q1 2026 net interest margin, fully taxable equivalent

Total assets $2.3B Company overview total assets

Wealth management AUM $1.4B Wealth management assets under management highlighted in presentation

Nonperforming assets / total assets 0.37% NPA/Total assets at 3/31/2026

Key Terms

Net interest margin, Allowance for credit losses, Nonperforming assets, Tangible common equity ratio, +1 more

5 terms

Net interest margin financial

"Net interest margin2 3.53% 3.40% 3.05%"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

Allowance for credit losses financial

"Allowance for credit losses (ACL) / Total loans 1.32%"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

Nonperforming assets financial

"Nonperforming assets3 (NPA) / Total assets 0.37%"

Nonperforming assets are loans or investments that are not generating expected payments or returns because the borrower has fallen behind on payments or the investment has lost value. They matter to investors because a high level of nonperforming assets can indicate financial trouble for a bank or institution, potentially affecting its stability and profitability.

Tangible common equity ratio financial

"Tangible common equity ratio2 7.42% 7.45% 6.33%"

Tangible common equity ratio measures how much real, loss-absorbing capital common shareholders have relative to a company's tangible assets—calculated by removing intangible items (like goodwill) and preferred equity from total equity and comparing that net amount to tangible assets. Think of it as the thickness of a safety cushion made of solid, visible value rather than accounting entries; investors use it to judge how well a company could withstand losses and protect common shareholders' claims.

Net overhead ratio financial

"Net overhead ratio1 1.89% 1.88% 1.99%"

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FAQ

What were Franklin Financial (FRAF) earnings for Q1 2026?

Franklin Financial reported Q1 2026 net income of $6.6 million ($6,637 thousand) and diluted EPS of $1.48, compared with $1.35 in Q4 2025 and $0.88 in Q1 2025, indicating materially higher quarterly profitability versus the prior year period.

How profitable was Franklin Financial (FRAF) in Q1 2026?

In Q1 2026, Franklin Financial’s ROA was 1.20% and ROE was 15.13%, with a net interest margin of 3.53%. These ratios all exceeded the Q1 2025 levels of 0.72% ROA, 10.80% ROE and 3.05% net interest margin, reflecting improved profitability metrics.

What was Franklin Financial (FRAF) balance sheet size and mix as of March 31, 2026?

Franklin Financial reported total assets of $2.3B, with total loans of $1.6B and total deposits of $1.9B. Capital remained solid, including a Tier 1 common equity ratio of 11.81% and tangible common equity ratio of 7.42% at March 31, 2026.

How are Franklin Financial (FRAF) asset quality metrics trending?

As of March 31, 2026, nonperforming assets were 0.37% of total assets and the allowance for credit losses was 1.32% of total loans. The company also cited a five‑year average NPL/gross loans ratio of 0.27% and net charge‑offs of 0.03%.

What wealth management business does Franklin Financial (FRAF) report?

Franklin Financial highlighted a differentiated wealth management franchise with approximately $1.4B of assets under management. This business is described as an expanding source of non-interest income, complementing traditional banking operations across its South‑Central Pennsylvania and Northern Maryland markets.

Where does Franklin Financial (FRAF) operate and on which exchange is it listed?

Franklin Financial, through F&M Trust, operates 22 locations in South‑Central Pennsylvania and Washington County, Maryland. Its common stock trades on the Nasdaq Capital Market under the ticker symbol FRAF, with a reported market capitalization of about $229.50 million.

false000072364600007236462026-07-242026-07-24

United States

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of

The Securities Exchange Act of 1934

Date of Report: July 24, 2026

FRANKLIN FINANCIAL SERVICES CORPORATION

(Exact name of registrant as specified in its new charter)

	Pennsylvania	001-38884	25-1440803
	(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

	1500 Nitterhouse Drive, Chambersburg, PA	17201
	(Address of principal executive office)	(Zip Code)
	Registrant's telephone number, including area code	(717) 264-6116

N/A

(Former name or former address, if changes since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨   Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨   Soliciting material pursuant to Rule 14a –12 under the Exchange Act (17 CFR 240.14a –12)

¨   Pre-commencement communications pursuant to Rule 14d – 2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨   Pre-commencement communications pursuant to Rule 13e – 4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:



Title of class	Symbol	Name of exchange on which registered
Common stock	FRAF	Nasdaq Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ¨

‎

Item 7.01 Regulations FD Disclosure

Franklin Financial Services Corporation (“the Corporation”) is furnishing this presentation which will be presented in whole or in part, from time to time, by executives of the Corporation in one or more meetings with investors and analysts.  The presentation is attached as Exhibit 99.1 and is incorporated by reference.  It is also available on the Corporation’s website at www.franklinfin.com.



The information in this Form 8-K provided under Item 7.01, including all exhibits attached hereto, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of the Corporation under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits

(c) Exhibits. The following exhibits are filed herewith:

Number Description  

99.1 Investor Presentation, dated July 24, 2026 of Franklin Financial Services

104 The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

FRANKLIN FINANCIAL SERVICES CORPORATION

By: /s/ Craig W. Best

Craig W. Best

Chief Executive Officer

By: /s/ Charles B. Carroll, Jr.

Charles B. Carroll, Jr.

President

Dated: July 24, 2026

Exhibit 99.1

Investor Presentation First Quarter 2026 Highlights Stock Symbol: FRAF (Nasdaq) Franklin Financial Services Corporation F&M TRUST



Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period or periods, reflecting management’s current views as to likely future developments, and use words “may,” “will,” “expect,” “believe,” “estimate,” “anticipate,” or similar terms.  Because forward-looking statements involve certain risks, uncertainties and other factors over which Franklin Financial Services Corporation has no direct control, actual results could differ materially from those contemplated in such statements.  These factors include (but are not limited to) the following: general economic conditions, changes in interest rates, changes in the Corporation’s cost of funds, changes in government monetary policy, changes in government regulation and taxation of financial institutions, changes in the rate of inflation, changes in technology, the intensification of competition within the Corporation’s market area, and other similar factors. We caution readers not to place undue reliance on these forward-looking statements. They only reflect management’s analysis as of this date. The Corporation does not revise or update these forward-looking statements to reflect events or changed circumstances. Please carefully review the risk factors described in other documents the Corporation files from time to time with the SEC, including the Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and any Current Reports on Form 8-K. GAAP versus non-GAAP Presentations – The Corporation supplements its traditional GAAP measurements with certain non-GAAP measurements to evaluate its performance and to eliminate the effect of intangible assets. By eliminating intangible assets, the Corporation believes it presents a measurement that is comparable to companies that have no intangible assets or to companies that have eliminated intangible assets in similar calculations. However, not all companies may use the same calculation method for each measurement. The Efficiency Ratio measures the cost to generate one dollar of revenue. The non-GAAP measurements are not intended to be used as a substitute for the related GAAP measurements and should not be read in isolation or relied upon as a substitute for GAAP measures. The following table shows the calculation of the non-GAAP measurements. Forward Looking Statements Franklin Financial Services Corporation F&M TRUST 2



About Our Company Four Pillars of Priority Total Assets $2.3B Total Loans $1.6B LOW-COST DEPOSITS FRANCHISE: 34% deposit market share in  Franklin County WEALTH AMANGEMENT: Expanding AUM ($1.4B) of differentiated wealth management business drives non-interest income Total Deposits $1.9B Market Cap $230M ASSET QUALITY: 0.27% 5-year average NPL/Gross Loans 0.03% 5-year average Net Charge-offs IMPROVING PROFITABILITY: Q1 2026 1.20% ROA Franklin Financial Services Corporation F&M TRUST 3



1st Quarter 2026 | Financial Highlights Earnings & Profitability Q1-2026 Q4-2025 Q1-2025 Diluted earnings per share (EPS) $ 1.48 $ 1.35 $ 0.88 Net income (thousands) $ 6,637 $ 6,043 $ 3,922 Net interest margin1 (NIM) 3.53% 3.40% 3.05% Return on average assets (ROA) 1.20% 1.05% 0.72% Return on average equity (ROE) 15.13% 14.20% 10.80% Dividend per share $ 0.33 $ 0.33 $ 0.32 Balance Sheet & Capital Total loans (thousands) $ 1,572,426 $1,561,238 $ 1,456,191 Total deposits (thousands) $ 1,889,710 $1,835,772 $ 1,867,577 Common equity ratio (Tier 1) 11.81% 11.45% 10.86% Tangible common equity ratio2 7.42% 7.45% 6.33% Tangible book value per share2 $ 37.78 $ 37.10 $ 31.97 Asset Quality Nonperforming assets3 (NPA) / Total assets 0.37% 0.38% 0.01% Allowance for credit losses (ACL) / Total loans 1.32% 1.32% 1.27% Net Income $6.6 million Wealth Management AUM $1.4B ROA 1.20% ROE 15.13% EPS $1.48 NIM1 3.53% Cost of Deposits 1.52% Yield on Earning Assets1 5.28% 1 Fully taxable equivalent 2 Non-GAAP measurement.  See GAAP / Non-GAAP Reconciliation 3 Nonperforming assets = nonaccrual loans, loans 90-days past due and other real estate owned 4 Franklin Financial Services Corporation F&M TRUST



Founded in 1906, F&M Trust Operates in South-Central Pennsylvania and Northern Maryland 22 Locations Serving South Central PA and Washington County MD Primary Trade Area Expanded Trade Area Offering Wealth Management, Commercial Financing, and Residential Lending Services 5 Franklin Financial Services Corporation F&M TRUST



Experienced and Cohesive Executive Team Executive Title Years of Banking Experience Joined F&M Trust Prior Experience Craig W. Best Chief Executive Officer 42 2025 Peoples Security Bank & Trust, First Commonwealth Bank, Equitable Bank Charles B. Carroll, Jr. President & Chief Operating Officer 31 2023 S&T Bank, FirstMerit / Huntington National Bank, BBVA Compass Mark R. Hollar Senior Executive Vice President, Chief Financial Officer & Treasurer 37 1994 ValleyBank & Trust Lorie M. Heckman, CERP, CRCM Executive Vice President, Chief Risk Officer 39 1986 F&M Trust, Vice President of Compliance and Security Steven D. Butz Executive Vice President, Chief Commercial Services Officer 40 2013 PNC, Waypoint, Sovereign, Graystone Tower, Susquehanna Bank Louis J. Giustini Senior Vice President, Chief Retail Services Officer 37 2022 Hagerstown Trust, Columbia Bank, Fulton Bank Karen K. Carmack, DM Senior Vice President, Chief Human Resources Officer 30 2000 ACNB Matthew D. Weaver Senior Vice President, Chief Marketing Officer 25 2014 Susquehanna Bank, Clifton LarsonAllen, IMRE David M. Long Senior Vice President, Chief Technology Officer 18 2022 Howard Bank 6 Franklin Financial Services Corporation F&M TRUST



Net Interest Income ($thousands) Annual $44,671 $51,588 $53,637 $57,514 $69,648 3.08% 3.40% 4.70% 5.16% 5.31% 2.88% 3.11% 3.31% 2.95% 3.25% 0.24% 0.36% 1.75% 2.68% 2.50% 2021 2022 2023 2024 2025 Net interest income Interest-earning asset yield Interest-bearing liability cost Net interst margin Quarterly 5.25% 5.29% 5.28% 3.05% 3.40% 3.53% 2.64% 2.32% 2.16% $15,606 $18,612 $18,521 Q1 2025 Q4 2025 Q1 2026 1Fully taxable equivalent 7 Franklin Financial Services Corporation F&M TRUST



Diversified Non-Interest Income ($thousands) Annual 27.80% 23.00% 22.93% 23.48% 21.60% $3,231 $3,093 $3,594 $3,821 $4,437 $2,170 $1,888 $2,157 $2,279 $2,370 $2,258 $2,527 $2,492 $2,448 $2,535 $2,430 $770 $199 $565 $672 $7,111 $7,152 $7,512 $8,538 $9,169 2021 2022 2023 2024 2025 Quarterly 22.65% 20.16% 20.95% $1,082 $916 $1,018 $558 $597 $618 $605 $655 $647 $109 $260 $318 $2,215 $2,272 $2,308 Q1 2025 Q4 2025 Q1 2026 Excludes BOLI gains, gains on sale of assets, and gains on sale of securities Franklin Financial Services Corporation F&M TRUST 8



Wealth Management AUM ($thousands) $946,975 $904,523 $1,094,779 $169,290 $1,273,421 $1,271,068 $100,457 $147,454 $217,891 $109,604 $153,886 $27,509 $118,046 $116,398 $135,423 $139,872 $147,880 $145,477 As of 12/31/2021 As of 12/31/2022 As of 12/31/2023 As of 12/31/2024 As of 12/31/2025 As of 3/31/2026 Brokerage Trust New assets under management (YTD) 1 Includes assets from new and existing clients and excludes increases attributable to market appreciation. Franklin Financial Services Corporation F&M TRUST 9



Deposits by Category Deposits $74,253 $57,390 $132,446 $315,905 $224,323 $238,558 $119,908 $128,709 $105,907 $96,646 $98,124 $98,637 $579,826 $569,586 $572,058 $694,880 $771,231 $801,650 $511,969 $496,532 $454,517 $417,870 $431,843 $419,207 19% 19% 18% 16% 17% 18% $298,403 $299,231 $273,050 $290,346 $310,251 $331,658 As of 12/31/2021 As of 12/31/2022 As of 12/31/2023 As of 12/31/2024 As of 12/31/2025 As of 3/31/2026 DDA Interest checking MMA Savings Time DDA/Total deposits Cost of Deposits 4.13% 4.33% 4.77% 4.63% 4.13% 3.98% 3.83% 3.65% 2.16% 2.37% 2.46% 2.38% 2.25% 2.18% 2.02% 18.30% 1.78% 1.96% 2.06% 2.02% 1.90% 1.83% 1.68% 1.52% 1.84% 2.02% 1.89% 1.82% 1.78% 1.74% 1.63% 1.50% Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Interest-bearing non-maturity deposits Certificates of deposit Total interest-bearing deposits Total Deposits Franklin Financial Services Corporation F&M TRUST 10



Diversified Loan Portfolio Annual Quarterly ($thousands) 3.86% 4.14% 5.16% 5.65% 5.84% 5.87% $6,406 $6,199 $6,815 $8,853 $9,657 $10,728 $140,669 $118,443 $115,018 $108,545 $101,958 $99,341 $225,084 $244,949 $303,749 $355,262 $422,511 $438,624 $103,874 $117,159 $127,638 $122,052 $123,541 $114,666 $522,779 $564,291 $703,767 $803,365 $903,571 $909,067 As of 12/31/2021 As of 12/31/2022 As of 12/31/2023 As of 12/31/2024 As of 12/31/2025 As of 3/31/2026 Commercial real estate Commercial 1-4 Family residential State/Mun I loans Consumer Loan yield 1Fully taxable equivalent Excludes loans held-for-sale Franklin Financial Services Corporation F&M TRUST 11



Largest Non-owner Occupied CRE Concentrations ($thousands) Annual Quarterly 234.4% 239.3% 290.7% 332.9% 349.9% 344.7% $27,042 $36,838 $63,654 $68,569 $68,241 $68,931 $30,733 $55,238 $68,303 $82,360 $87,933 $95,832 $46,811 $40,738 $58,074 $60,102 $88,884 $93,736 $70,299 $81,283 $80,670 $79,197 $102,194 $103,847 $53,599 $80,905 $103,723 $132,894 $163,356 $157,102 As of 12/31/2021 As of 12/31/2022 As of 12/31/2023 As of 12/31/2024 As of 12/31/2025 As of 3/31/2026 1Regulatory CRE concentration ratio Franklin Financial Services Corporation F&M TRUST 12



Credit Quality Nonperforming assets1 (NPA) / Total assets 0.42% 0.01% 0.01% 0.01% 0.38% 0.37% 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 3/31/2026 Allowance for credit losses / Gross loans 1.51% 1.35% 1.28% 1.26% 1.32% 1.32% 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 3/31/2026 Net (Charge-offs)Recoveries / Average loans 0.04% -0.15% -0.02% -0.03% 0.00% -0.01% 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 3/31/2026 Nonperforming loans2 / Gross loans 0.74% 0.01% 0.01% 0.02% 0.55% 0.54% 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 3/31/2026 1 Nonperforming assets = nonaccrual loans, loans 90-days past due and other real estate owned 2 Nonperforming loans = nonaccrual loans and loans 90-days past due Franklin Financial Services Corporation F&M TRUST 13



Capital 18.41% 17.21% 14.45% 13.85% 13.27% 13.66% 15.20% 14.22% 11.82% 11.31% 11.45% 11.81% 8.42% 9.26% 8.98% 7.82% 8.42% 8.43% 8.39% 8.95% 9.01% 7.92% 8.17% 8.57% 8.52% 6.22% 6.74% 6.20% 7.45% 7.42% As of 12/31/2021 As of 12/31/2022 As of 12/31/2023 As of 12/31/2024 As of 12/31/2025 As of 3/31/2026 Risk-based capital (Total) Leverage ratio (Tier 1) Common equity ratio (Tier 1) Tangible common equity ratio (1) Tangible common equity ratio excluding AOCI(1) 1 Non-GAAP measurement.  See GAAP/Non-GAAP Reconciliation Franklin Financial Services Corporation F&M TRUST 14



Stock Symbol: FRAF (Nasdaq) www.franklinfin.com www.fmtrust.bank Investor Relations Officer Amanda Ducey 717-261-3553 amanda.ducey@f-mtrust.com Franklin Financial Services Corporation F&M TRUST



Appendix Franklin Financial Services Corporation F&M TRUST



Summary Performance Metrics Q1 2026 Q4 2025 Q1 2025 Year Ended 12/31/2025 Year Ended 12/31/2024 Year Ended 12/31/2023 Year Ended 12/31/2022 Year Ended 12/31/2021 Diluted earnings per share $ 1.48 $ 1.35 $ 0.88 $ 4.74 $ 2.51 $ 3.10 $ 3.36 $ 4.42 Net overhead ratio1 1.89% 1.88% 1.99% 1.79% 1.84% 1.94% 1.86% 1.56% Return on average assets 1.20% 1.05% 0.72% 0.94% 0.54% 0.78% 0.83% 1.17% Net interest margin2 3.53% 3.40% 3.05% 3.25% 2.95% 3.31% 3.11% 2.88% Dividend per share $ 0.33 $ 0.33 $ 0.32 $ 1.31 $ 1.28 $ 1.28 $ 1.28 $ 1.25 Market value per share $ 51.08 $ 50.20 $ 35.45 $ 50.20 $ 29.90 $ 31.55 $ 36.10 $ 33.10 Book value per share $ 39.78 $ 39.11 $ 33.99 $ 39.11 $ 32.69 $ 30.23 $ 26.01 $ 35.36 Tangible book value per share3 $ 37.78 $ 37.10 $ 31.97 $ 37.10 $ 30.65 $ 28.17 $ 23.96 $ 33.34 Market cap ($M) $ 229.50 $ 224.95 $ 157.91 $ 224.95 $ 132.37 $ 137.91 $ 158.48 $ 147.00 1 Net Overhead Ratio = (Noninterest Expense – Noninterest Income + BOLI Gains + Gain on Sale of Assets + Gains on sale of Securities) / Average Assets 2 Fully taxable equivalent 3 Non-GAAP measurement.  See GAAP / Non-GAAP Reconciliation Franklin Financial Services Corporation F&M TRUST 17



GAAP / Non-GAAP Reconciliation ($thousands) As-of 3/31/2026 As-of 3/31/2025 As-of 12/31/2025 As-of 12/31/2024 As-of 12/31/2023 As-of 12/31/2022 As-of 12/31/2021 Shareholders' equity $ 178,744 $ 151,391 $ 175,242 $ 144,716 $ 132,136 $ 114,197 $ 157,065 Less intangible assets 9,016 9,016 9,016 9,016 9,016 9,016 9,016 Tangible shareholders' equity (Non-GAAP) 169,728 142,375 166,226 135,700 123,120 105,181 148,049 Less AOCI (23,265) (31,856) (21,589) (35,508) (40,940) (51,287) (547) Tangible shareholders' equity excluding AOCI (Non-GAAP) 192,993 174,231 187,815 171,208 164,060 156,468 148,596 Total assets 2,297,518 2,257,478 2,239,018 2,197,841 1,836,039 1,699,579 1,773,806 Less intangible assets 9,016 9,016 9,016 9,016 9,016 9,016 9,016 Total tangible assets (Non-GAAP) 2,288,502 2,248,462 2,230,002 2,188,825 1,827,023 1,690,563 1,764,790 Tangible common equity ratio (Non-GAAP) 7.42% 6.33% 7.45% 6.20% 6.74% 6.22% 8.39% Tangible common equity ratio excluding AOCI (Non-GAAP) 8.43% 7.75% 8.42% 7.82% •eye 8.98% ----------- 9.26% 8.42% Shares outstanding (thousands) 4,493 4,454 4,481 4,427 4,371 4,390 4,441 Tangible book value per share (Non-GAAP) $ 37.78 $ 31.97 $ 37.10 $ 30.65 $ 28.17 $ 23.96 $ 33.34 Franklin Financial Services Corporation F&M TRUST 18

Filing Exhibits & Attachments

4 documents

Press Releases

• EX-99.1 EX-99.1 153.1 KB

Other Documents

• EX-101 EX-101.SCH 2.5 KB
• EX-101 EX-101.LAB 13.6 KB
• EX-101 EX-101.PRE 10.4 KB