| Balance Sheets | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Cash and due from banks | 24,674 | 27,426 | ||
| Short-term interest-earning deposits in other banks | 163,470 | 180,364 | ||
| Total cash and cash equivalents | 188,144 | 207,790 | ||
| Long-term interest-earning deposits in other banks | 999 | 999 | ||
| Debt securities available for sale, at fair value | 469,285 | 481,259 | ||
| Restricted stock | 8,894 | 8,894 | ||
| Loans held for sale | 1,420 | 1,486 | ||
| Loans | 1,563,867 | 1,519,157 | ||
| Allowance for credit losses | 20,352 | 19,122 | ||
| Net loans | 1,543,515 | 1,500,035 | ||
| Premises and equipment, net | 28,370 | 28,438 | ||
| Right of use asset | 3,796 | 3,943 | ||
| Bank owned life insurance | 23,083 | 22,965 | ||
| Goodwill | 9,016 | 9,016 | ||
| Deferred tax asset, net | 8,252 | 9,575 | ||
| Other assets | 12,303 | 12,345 | ||
| Total assets | 2,297,077 | 2,286,745 | ||
| Noninterest-bearing checking | 311,925 | 294,034 | ||
| Money management, savings, and interest checking | 1,304,826 | 1,279,602 | ||
| Time | 286,144 | 319,835 | ||
| Total deposits | 1,902,895 | 1,893,471 | ||
| Debt-Federal Home Loan Bank Borrowings | 200,000 | 200,000 | ||
| Debt-Subordinated Debt | 10,841 | 19,719 | ||
| Lease liability | 3,968 | 4,111 | ||
| Other liabilities | 13,030 | 12,080 | ||
| Capital stock no par value, 5,000,000 shares authorized with no shares issued and outstanding | - | 0 | ||
| Total liabilities | 2,130,734 | 2,129,381 | ||
| Common stock, 1 par value per share,15,000,000 shares authorized with 4,710,972 shares issued and 4,478,089 shares outstanding at september 30, 2025 and 4,710,972 shares issued and 4,427,362 shares outstanding at december 31, 2024 | 4,711 | 4,711 | ||
| Additional paid-in capital | 43,750 | 43,763 | ||
| Retained earnings | 150,279 | 146,403 | ||
| Accumulated other comprehensive loss | -25,806 | -30,784 | ||
| Treasury stock, 232,883 shares at september 30, 2025 and 283,610 shares at december 31, 2024, at cost | 6,591 | 6,729 | ||
| Total shareholders' equity | 166,343 | 157,364 | ||
| Total liabilities and shareholders' equity | 2,297,077 | 2,286,745 | ||
FRANKLIN FINANCIAL SERVICES CORP PA (FRAF)
FRANKLIN FINANCIAL SERVICES CORP PA (FRAF)