Bank · FDIC insured
Franklin Savings Bank
A $931.4M bank headquartered in Franklin, NH, with 8 branches in New Hampshire. Best rates: CDs 4.10% and savings 0.17% APY.
Franklin Savings Bank Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#10 of 16 in Concord, NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Franklin Savings Bank
Franklin Savings Bank is an independent community bank whose new building construction began in the spring of 1886.
First located at Sanborn's Store in downtown Franklin, the bank celebrated its 100th anniversary in 1969.
- Headquarters
- 387 Central St, Franklin, NH 03235
- FDIC certificate
- 17951 ↗
Branches
8 branches in New Hampshire
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New Hampshire
8 branches
Concord area · 3
- Franklin Savings BankMain office387 Central St, Franklin, NH 03235Directions
- Boscawen Branch139 King St, Boscawen, NH 03303Directions
- Central Street Branch933 Central St, Franklin, NH 03235Directions
Laconia area · 2
- Gilford Branch11 Sawmill Rd, Gilford, NH 03249Directions
- Tilton Branch67 Laconia Rd, Tilton, NH 03276Directions
Manchester area · 2
- Goffstown Branch585 Mast Road,, Goffstown, NH 03045Directions
- Merrimack Branch1 Dobson Way, Merrimack, NH 03054Directions
Lebanon area · 1
- Bristol Branch350 Lake St, Bristol, NH 03222Directions
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 | 9.75% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.50% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.09% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $94 | $81 | — |
- CapitalLeverage ratio9.75%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.50%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.09%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$94Peers’ 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.