FRANKLIN FINANCIAL SERVICES CORP /PA/
For the period ended Jun 30, 2026. Filed Aug 10, 2026.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Jun 30, 2026 · Filed Aug 10, 2026
FRAF$69.08-0.7%Stored close · as of Nov 6, 2026
Contents
Item 1. Financial Statements Consolidated Balance Sheets as of June 30, 2026 and December 31, 2025 (unaudited)
Consolidated Balance Sheets
| (Dollars in thousands, except share and per share data) · (unaudited) | ||
|---|---|---|
| June 30, | December 31, | |
| 2026 | 2025 | |
| Assets | ||
| Cash and due from banks | $25,560 | $22,446 |
| Short-term interest-earning deposits in other banks | 169,471 | 105,275 |
| Total cash and cash equivalents | 195,031 | 127,721 |
| Long-term interest-earning deposits in other banks | 750 | 999 |
| Debt securities available for sale, at fair value | 452,345 | 454,586 |
| Restricted stock | 8,985 | 8,897 |
| Loans held for sale | 2,797 | 18,929 |
| Loans | 1,610,619 | 1,561,238 |
| Allowance for credit losses | (21,864) | (20,655) |
| Net Loans | 1,588,755 | 1,540,583 |
| Premises and equipment, net | 26,262 | 27,138 |
| Right of use asset | 4,048 | 3,657 |
| Bank owned life insurance | 22,519 | 23,207 |
| Goodwill | 9,016 | 9,016 |
| Deferred tax asset, net | 8,379 | 7,881 |
| Other assets | 16,294 | 16,404 |
| Total assets | $2,335,181 | $2,239,018 |
| Liabilities | ||
| Deposits | ||
| Noninterest-bearing checking | $341,103 | $310,251 |
| Money management, savings, and interest checking | 1,354,833 | 1,301,198 |
| Time | 228,652 | 224,323 |
| Total deposits | 1,924,588 | 1,835,772 |
| Federal Home Loan Bank advances | 200,000 | 200,000 |
| Subordinate notes | 10,855 | 10,845 |
| Lease liability | 4,251 | 3,840 |
| Other liabilities | 11,642 | 13,319 |
| Total liabilities | 2,151,336 | 2,063,776 |
| Commitments and contingent liabilities (see Note 16) | ||
| Shareholders' equity | ||
| Common stock, $1 par value per share,15,000,000 shares authorized with | ||
| 4,710,972 shares issued and 4,493,715 shares outstanding at June 30, 2026 and | ||
| 4,710,972 shares issued and 4,481,149 shares outstanding at December 31, 2025 | 4,711 | 4,711 |
| Capital stock no par value, 5,000,000 shares authorized with no | ||
| shares issued and outstanding | — | — |
| Additional paid-in capital | 44,135 | 43,932 |
| Retained earnings | 165,085 | 154,844 |
| Accumulated other comprehensive loss | (23,458) | (21,589) |
| Treasury stock, 217,257 shares at June 30, 2026 and 229,823 shares at | ||
| December 31, 2025, at cost | (6,628) | (6,656) |
| Total shareholders' equity | 183,845 | 175,242 |
| Total liabilities and shareholders' equity | $2,335,181 | $2,239,018 |
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