Bank · FDIC insured
Franklin Savings Bank
A $786.9M bank headquartered in Farmington, ME, with 7 branches in Maine. Best rates: CDs 3.65% and savings 0.15% APY.
Franklin Savings Bank Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#60 of 72 in MaineHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Franklin Savings Bank
Chartered and organized in Farmington in 1868 as Franklin County Savings Bank, Franklin Savings Bank reorganized in 1998 under a mutual holding company, FSB Bancorp, MHC.
Operating eight branches across Franklin, Oxford, Somerset, and Hancock counties, the bank established the Franklin Savings Bank Community Development Foundation in 2000 to support local community, economic, and educational needs.
- Headquarters
- 197 Main St, Farmington, ME 04938
- FDIC certificate
- 19836 ↗
Branches
7 branches in Maine
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Maine
7 branches
Farmington area · 1
- Franklin Savings BankMain office197 Main St, Farmington, ME 04938Directions
Ellsworth area · 1
- Ellsworth Branch181 State St, Ellsworth, ME 04605Directions
Jay area · 1
- Jay Branch9 Main St, Jay, ME 04239Directions
Rangeley area · 1
- Rangeley Branch2573 Main St, Rangeley, ME 04970Directions
Rumford area · 1
- Rumford Branch155 Congress St, Rumford, ME 04276Directions
Skowhegan area · 1
- Somerset Branch194 Madison Ave, Skowhegan, ME 04976Directions
Wilton area · 1
- Wilton Branch603 Main St, Wilton, ME 04294Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 18.79% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.36% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.99% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $112 | $81 | — |
- CapitalLeverage ratio18.79%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.36%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.99%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$112Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Franklin Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.