Franklin State Bank&Trust Co vs First National Bank USA
Side-by-side bank health comparison using FDIC financial data
Franklin State Bank&Trust Co (A) and First National Bank USA (A) are close on the BankHealth rubric. Asset bases: $205M versus $203M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Franklin State Bank&Trust Co has a stronger Bank Health Score of 99/100 (A) compared to First National Bank USA at 96/100 (A), a difference of 3 points. Franklin State Bank&Trust Co holds a Tier 1 capital ratio of 19.7% and an NPL ratio of 0.20%.
| Metric | Franklin State Bank&Trust Co | First National Bank USA |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 99/100 (A)* | 96/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 19.7%* | 14.0% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.2% | 0.1%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 37.7% | 48.5%* |
| Return on Assets Profitability metric (above 1% is strong) | 2.2% | 4.0%* |
| Total Assets | $205M | $203M |
| Total Deposits | $183M | $174M |
| Location | Winnsboro, Louisiana | Boutte, Louisiana |
Franklin State Bank&Trust Co has a stronger Bank Health Score of 99/100 (A) compared to First National Bank USA at 96/100 (A), a difference of 3 points. Franklin State Bank&Trust Co holds a Tier 1 capital ratio of 19.7% and an NPL ratio of 0.20%.