Franklin Financial Services Corporation (FRAF)

FRAF Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	127.72	203.61	23.14	64.9	175.15
Securities and Investments	463.48	517.55	475.31	487.89	530.79
Other Earning Assets	18.93	2.47	0.21	0.28	2.83
Gross Loans	1,561	1,398	1,257	1,051	998.81
Allowance for Loan Losses	-20.66	-17.65	-16.05	-14.18	-15.07
Net Loans	1,541	1,380	1,241	1,037	983.75
Net Property, Plant & Equipment	30.8	33.15	33.22	36.04	23.95
Goodwill	9.02	9.02	9.02	9.02	9.02
Long-Term Investments	1	1.5	6.23	13.98	10.49
Other Non-Earning Assets	47.49	50.13	47.98	50.61	37.84
Total Assets	2,239	2,198	1,836	1,700	1,774
Interest-bearing deposits	1,526	1,525	1,265	1,252	1,286
Noninterest-bearing deposits	310.25	290.35	273.05	299.23	298.4
Total Deposits	1,836	1,816	1,538	1,551	1,584
Short-Term Interbank Borrowing and Repurchase Agreements	200	200	40	-	-
Short-Term Borrowings	-	-	90	-	-
Long-Term Debt	10.85	19.7	19.66	19.62	19.59
Other Liabilities	17.16	17.78	16.26	14.31	12.79
Total Liabilities	2,064	2,053	1,704	1,585	1,617
Common Stock	4.71	4.71	4.71	4.71	4.71
Treasury Stock	-6.66	-7.74	-9.27	-8.65	-6.8
Additional Paid-in Capital	43.93	43.79	43.65	43.54	43.09
Accumulated Other Comprehensive Income	-21.59	-35.51	-40.94	-51.29	-0.55
Retained Earnings	154.84	139.46	133.99	125.89	116.61
Shareholders' Equity	175.24	144.72	132.14	114.2	157.07
Total Liabilities & Equity	2,239	2,198	1,836	1,700	1,774
Total Debt	10.85	19.7	19.66	19.62	19.59
Net Cash (Debt)	-10.85	-19.7	-19.66	-19.62	-19.59
Net Cash Per Share	-2.42	-4.46	-4.49	-4.42	-4.41
Book Value	175.24	144.72	132.14	114.2	157.07
Book Value Per Share	39.15	32.79	30.16	25.69	35.38
Tangible Book Value	166.23	135.7	123.12	105.18	148.05
Tangible Book Value Per Share	37.14	30.74	28.10	23.66	33.34

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q