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Franklin Financial Services Corporation (FRAF) investor relations material
Franklin Financial Services Corporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 was $5.9M ($1.32/diluted share), up 94.8% year-over-year; YTD net income was $9.8M ($2.20/diluted share), up 53.7% year-over-year.
Total assets reached $2.287B as of June 30, 2025, a 4.1% increase from year-end 2024; net loans grew by $119.6M (8.7%) to $1.5B; deposits rose by $77.8M (4.3%) to $1.893B.
Wealth management fees for H1 2025 were $4.6M, with assets under management at $1.4B; fees increased 7.9% in Q2 and 8.5% YTD.
Board declared a $0.33/share quarterly dividend for Q3 2025, a 3.1% increase over Q3 2024, payable August 27, 2025.
Financial highlights
Net interest income for H1 2025 was $32.8M, up from $27.8M in H1 2024; Q2 2025 net interest income was $17.2M, up 21.3% year-over-year.
Noninterest income for H1 2025 was $9.7M, up 13.2% year-over-year; Q2 2025 noninterest income was $5.1M, up 17.3%.
Noninterest expense for H1 2025 was $29.0M, up 4.8%; Q2 2025 noninterest expense was $14.4M, up 0.4% year-over-year.
Provision for credit losses was $1.5M YTD (vs. $1.1M in 2024), with $704K in Q2 2025 (vs. $560K in Q2 2024), mainly due to loan growth.
Effective tax rate was 19.3% for Q2 2025 and 19.0% YTD.
Outlook and guidance
Management expects continued loan and deposit growth, with a focus on maintaining strong asset quality.
The impact of the One Big Beautiful Bill Act is under evaluation but is not expected to materially affect financials.
Forward-looking statements are subject to risks including interest rates, inflation, economic conditions, and regulatory changes.
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Next Franklin Financial Services Corporation earnings date
Q3 202529 Oct, 2025
Next Franklin Financial Services Corporation earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
Franklin Financial Services Corporation is a bank holding company that operates through its subsidiary, Farmers and Merchants Trust Company of Chambersburg (F&M Trust). The company provides a wide range of commercial and retail banking services, including various deposit accounts, commercial real estate loans, residential mortgages, and consumer loans. It also offers trust and investment services, such as estate planning, pension management, and custodial services. Additionally, Franklin Financial Services is involved in non-bank investment activities, including venture capital investments. Franklin Financial Services Corporation is headquartered in Chambersburg, Pennsylvania, and its shares are listed on the NASDAQ.
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