Bank of Franklin

Meadville, MississippiFDIC Cert #10594

STATEEstablished 19126 branches

Holding company: FRANKLIN BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$16.4M
Investor CRE	$42.1M
Multifamily	$3.2M
Construction	$15.6M
1–4 family	$72.7M
C&I	$18.6M
Agriculture	$26.6M
Other	$9.71M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$205M

+20.0%y/y

Percentile by value93rd percentileby value

FDICLNLSGR

Net loans

$202M

+20.4%y/y

Percentile by value93rd percentileby value

FDICLNLSNET

Loans YoY

+20.37%

+185.9%y/y

Percentile by value92nd percentileby value

FDICLNLSNET

L/D

75.0%

−4.3%y/y

Percentile by value52nd percentileby value

FDICLNLSNET + DEP

Loans/assets

66.7%

−3.2%y/y

Percentile by value58th percentileby value

FDICLNLSNET + ASSET

RE loans %

88.89%

+2.8%y/y

Percentile by value74th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,032points

+4.9%y/y

Peer standing68th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

8.00%

+6.4%y/y

Percentile by value44th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

20.57%

+0.3%y/y

Percentile by value84th percentileby value

FDICLNRENROT + LNLSGR

C&I %

9.07%

−17.9%y/y

Percentile by value44th percentileby value

FDICLNCI + LNLSGR