Franklin Financial Services Corporation (FRAF)

FRAF Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	25.94	203.61	23.14	64.9	175.15	57.15
Investment Securities	219.14	191.28	242.56	284.34	332.43	329.38
Mortgage-Backed Securities	251.15	318.99	236.6	216.89	208.36	80.69
Total Investments	470.28	510.27	479.16	501.22	540.78	410.07
Gross Loans	1,564	1,398	1,257	1,051	998.81	1,011
Allowance for Loan Losses	-20.35	-17.65	-16.05	-14.18	-15.07	-16.79
Other Adjustments to Gross Loans	-	-	-	-	-	-1.34
Net Loans	1,544	1,380	1,241	1,037	983.75	992.92
Property, Plant & Equipment	32.17	33.15	33.22	36.04	23.95	18.38
Goodwill	9.02	9.02	9.02	9.02	9.02	9.02
Loans Held for Sale	1.42	2.47	0.21	0.28	2.83	9.45
Restricted Cash	162.2	-	-	-	-	-
Long-Term Deferred Tax Assets	8.25	10.83	11.8	15.63	3.31	2.4
Other Long-Term Assets	35.42	39.3	36.18	35.63	35.02	35.67
Total Assets	2,297	2,198	1,836	1,700	1,774	1,535
Interest Bearing Deposits	1,536	1,448	1,221	1,243	1,271	1,087
Institutional Deposits	54.9	77.4	44.4	8.8	15.2	8.8
Non-Interest Bearing Deposits	311.93	290.35	273.05	299.23	298.4	259.06
Total Deposits	1,903	1,816	1,538	1,551	1,584	1,355
Short-Term Borrowings	0.43	200	130	0	0.02	0.04
Current Portion of Leases	0.18	0.68	-	-	-	-
Long-Term Debt	10.84	19.7	19.66	19.62	19.59	19.56
Long-Term Leases	3.79	3.58	4.82	6.14	4.86	5.33
Other Long-Term Liabilities	12.6	13.52	11.45	8.16	7.92	10.36
Total Liabilities	2,131	2,053	1,704	1,585	1,617	1,390
Common Stock	4.71	4.71	4.71	4.71	4.71	4.71
Additional Paid-In Capital	43.75	43.79	43.65	43.54	43.09	42.59
Retained Earnings	150.28	139.46	133.99	125.89	116.61	102.52
Treasury Stock	-6.59	-7.74	-9.27	-8.65	-6.8	-7.83
Comprehensive Income & Other	-25.81	-35.51	-40.94	-51.29	-0.55	3.19
Shareholders' Equity	166.34	144.72	132.14	114.2	157.07	145.18
Total Liabilities & Equity	2,297	2,198	1,836	1,700	1,774	1,535
Total Debt	215.24	223.96	154.48	25.77	24.47	24.93
Net Cash (Debt)	-188.3	-18.85	-125.11	53.1	161.18	44.96
Net Cash Growth	-	-	-	-67.05%	258.49%	-41.83%
Net Cash Per Share	-42.10	-4.27	-28.56	11.95	36.30	10.30
Filing Date Shares Outstanding	4.48	4.44	4.38	4.4	4.45	4.4
Total Common Shares Outstanding	4.48	4.43	4.37	4.39	4.44	4.39
Book Value Per Share	37.15	32.69	30.23	26.01	35.36	33.07
Tangible Book Value	157.33	135.7	123.12	105.18	148.05	136.16
Tangible Book Value Per Share	35.13	30.65	28.17	23.96	33.33	31.02

Updated Oct 28, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q