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Franklin Bank & Trust Company


Franklin Bank & Trust Company is an FDIC insured institution headquartered at 317 N Main St, Franklin, KY 42134.
It was founded in 1958 and has approximately $1 billion in assets. Customers can open an account at one of its 5 branches.

Deposit Rates - April 22, 2025

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.20% $10,000 Compare
6 Mo CD
0.30% $100,000 Compare
12 Mo CD
0.55% $10,000 Compare
18 Mo CD
0.55% $10,000 Compare
18 Mo CD
0.65% $100,000 Compare
24 Mo CD
0.80% $10,000 Compare
24 Mo CD
0.85% $100,000 Compare
30 Mo CD
0.80% $10,000 Compare
30 Mo CD
0.85% $100,000 Compare
36 Mo CD
0.80% $10,000 Compare
36 Mo CD
0.85% $100,000 Compare
48 Mo CD
0.90% $10,000 Compare
48 Mo CD
0.95% $100,000 Compare
60 Mo CD
1.00% $10,000 Compare
60 Mo CD
1.10% $100,000 Compare
MM RATES APY MIN
Money Market
0.15% $2,500 Compare
Money Market
0.15% $10,000 Compare
Money Market
0.15% $25,000 Compare
VARIABLE IRA RATES APY MIN
12 Mo VIRA
0.50% $10,000
INT CHECKING RATES APY MIN
Int Ckg
0.10% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 17937
Date Established 1958
Assets $ 754.03 million
Loans $ 646.23 million
Deposits $ 606.32 million
Capital $ 94.24 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 57.26 million
Interest-bearing balances $ 43.64 million
Total securities $ 9.30 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 646.23 million
Loan loss allowance $ 6.40 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 19.99 million
     Total Assets $ 659.79 million

LIABILITIES
Total deposits $ 606.32 million
      Interest-bearing deposits $ 477.21 million
      Deposits held in domestic offices $ 606.32 million
      % insured (estimated)" 81.48%
Federal funds purchased and repurchase agreements $ 0.54 million
Trading liabilities N.A.
Other borrowed funds $ 36.59 million
Subordinated debt N.A.
All other liabilities $ 4.71 millionn
      Total Liabilities $ 659.79 million
      Shareholders’ Equity $ 94.24 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 43.08 million
Total Interest Expense $ 17.70 million
Net interest income $ 25.39 million
Provision for loan and lease losses $ 0.50 million
Total non interest income $ 4.89 million
Total non interest expense $ 16.60 million
Pre-tax Net Operating Income $ 4.83 million

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