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Franklin Financial Services Corporation FRAF Community Bank Leverage Ratio Minimum

Community Bank Leverage Ratio Minimum at other companies

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Other financials

Income statement

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Revenue$24.5M+9.6%
Net income$6.6M+11.9%
EPS (diluted)$1.47+11.4%

Balance sheet

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Cash & equivalents$195.0M-6.1%
Total debt$4.3M+3.4%
Total equity$183.8M+16.8%
Total assets$2.3B+2.1%

Cash flow

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Operating cash flow$6.7M+30.2%
CapEx--100%
Free cash flow$3.2M-16.6%

Valuation

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Market cap$280.01M+56.5%
Enterprise value$89.23M-460%
P/E11.4×-0.9×
P/S+0.6×

Profitability

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Net margin26%+7.2pp
FCF margin27.7%+0.7pp

Returns & leverage

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Return on equity14.4%+4.6pp
Debt / equity0.0×

Where this comes from

Reported directly by Franklin Financial Services Corporation in its filing.

Tagged under the XBRL concept fraf:CommunityBankLeverageRatioMinimum.

The source filing: Franklin Financial Services Corporation’s 10-K, filed March 13, 2026.

Filed
Mar 13, 2026, 4:52 PM EDT
Fiscal year
FY2025
Accession
0000723646-26-000016

In 2019, the Community Bank Leverage Ratio (CBLR) was approved by federal banking agencies as an optional capital measure available to Qualifying Community Banking Organizations (QCBO). If a bank qualifies as a QCBR and maintains a CBLR of 9% or greater, the bank would be considered “well-capitalized” for regulatory capital purposes and exempt from complying with the Basel III risk-based capital rule. The CBLR rule was effective January 1, 2020 and banks could opt-in through an election in the first quarter 2020 regulatory filings. The Bank meets the criteria of a QCBO but did not opt-in to the CBLR.

Item 8. Financial Statements and Supplementary Data

FAQ

What is Franklin Financial Services Corporation's community bank leverage ratio minimum?
Franklin Financial Services Corporation (FRAF) reported community bank leverage ratio minimum of $0.02 in Q4 2025.
How has Franklin Financial Services Corporation's community bank leverage ratio minimum changed year-over-year?
Franklin Financial Services Corporation's community bank leverage ratio minimum decreased by 0.0% year-over-year, from $0.02 to $0.02.
What is the long-term trend for Franklin Financial Services Corporation's community bank leverage ratio minimum?
Over 4 years (2021 to 2025), Franklin Financial Services Corporation's community bank leverage ratio minimum has grown at a 0.0% compound annual growth rate (CAGR), from $0.09 to $0.09.
What does community bank leverage ratio minimum mean?
Community Bank Leverage Ratio Minimum as reported by Franklin Financial Services Corporation Common Stock.

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