Welcome to our dedicated page for Franklin Finl Svcs SEC filings (Ticker: FRAF), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Franklin Financial Services Corporation filings document the public-company disclosures of a Pennsylvania bank holding company and its wholly owned banking subsidiary, F&M Trust. Recent Form 8-K reports cover earnings releases, regular cash dividends, Regulation FD investor presentations, annual meeting voting results, director elections, officer appointments and other material corporate events.
The company’s proxy materials describe shareholder voting matters, board composition, executive compensation, equity awards and governance practices. Its regulatory filings also provide formal records tied to operating results, capital returns, common-stock matters, leadership structure and shareholder oversight for a community banking and wealth management business.
FRAF submitted a Form 144 notice reporting proposed sales of common stock tied to prior equity awards. The excerpt lists 1,226 shares from a cashless exercise dated 12/17/2024 and 174 shares from restricted stock units that vested on 03/02/2026. The filing date shown is 05/18/2026, and the securities are listed on Nasdaq.
Franklin Financial Services Corporation reported stronger results for the three months ended March 31, 2026. Net income rose to $6.6 million from $3.9 million a year earlier, with diluted earnings per share increasing to $1.48 from $0.88. Total interest income was $27.8 million and net interest income improved to $18.5 million, helped by lower interest expense. Credit costs eased, with total provision for credit losses at $0.2 million versus $0.8 million in the prior-year quarter. Noninterest income grew to $5.4 million, supported by higher wealth management fees and gains on loan sales, while noninterest expense increased modestly to $15.4 million. Total assets reached $2.30 billion, loans were $1.57 billion, and deposits were $1.89 billion. Regulatory capital ratios at the bank subsidiary remained comfortably above “well capitalized” thresholds, with a common equity Tier 1 ratio of 12.39% and a Tier 1 leverage ratio of 8.99%.
Franklin Financial Services Corporation filed an amended current report to update a furnished shareholder presentation, while also providing an investor deck used in meetings with analysts and investors. Both presentations are attached as exhibits and are furnished under Regulation FD rather than filed financial statements.
The investor materials highlight strong recent performance. For first quarter 2026, diluted EPS was $1.48, up from $0.88 a year earlier, with net income of $6.6 million. Return on average assets reached 1.20% and return on average equity was 15.13%, supported by a net interest margin of 3.53%.
At March 31, 2026, total loans were about $1.57 billion and total deposits about $1.89 billion. Asset quality indicators remained low, with nonperforming assets at 0.37% of total assets and an allowance for credit losses of 1.32% of total loans. The tangible common equity ratio was 7.42%, and wealth management assets under management were about $1.4 billion, contributing to diversified non-interest income.
Franklin Financial Services Corporation filed an 8-K to furnish updated investor and shareholder presentations highlighting its first quarter 2026 performance and strategic profile.
For Q1 2026, diluted EPS was $1.48 versus $0.88 a year earlier, with net income of $6.6 million. Return on average assets was 1.20% and return on average equity was 15.13%, supported by a net interest margin of 3.53%. As of March 31, 2026, the company reported total assets of $2.3 billion, loans of $1.57 billion, and deposits of $1.89 billion. Wealth management assets under management reached about $1.4 billion, and asset quality metrics remained strong, with nonperforming assets at 0.37% of total assets and an allowance for credit losses of 1.32% of total loans.
Franklin Financial Services Corp. director Gregory A. Duffey reported an open-market purchase of common stock. On April 29, 2026, he bought 18 shares of Franklin Financial at $55.35 per share. Following this transaction, Duffey directly holds 23,723 shares, which the filing notes include previously reported unvested restricted stock units.
Franklin Financial Services Corp. President & COO Charles Benner Jr reported a compensation-related equity grant. He acquired 1,020 restricted stock units (RSUs) of Common Stock at no cost under the company’s 2019 Omnibus Stock Incentive Plan.
The RSUs vest in three equal installments on April 29, 2027, April 29, 2028, and April 29, 2029, subject to continued service. After this award, his reported total direct holdings are 5,918 shares, including previously reported unvested RSUs.
Franklin Financial Services Corporation reported the results of its annual shareholder meeting held on April 28, 2026. Shareholders elected four directors to Class A for three-year terms, including Craig W. Best, G. Warren Elliott, Stanley J. Kerlin and Kimberly M. Rzomp.
Shareholders also approved, on an advisory basis, the compensation of the company’s named executive officers. In addition, they ratified the selection of Crowe LLP as the independent registered public accounting firm for 2026, confirming support for the company’s current governance and audit arrangements.
Franklin Financial Services Corporation, parent of F&M Trust, announced that Charles “Chad” B. Carroll Jr. has been promoted to President of the Corporation and President and Chief Operating Officer of the Bank, effective April 28, 2026.
Carroll, age 54, has served as Senior Executive Vice President and Chief Operating Officer of the Bank since 2023 and previously held senior roles at S&T Bank. Craig W. Best will remain Chief Executive Officer of both the Corporation and the Bank and will continue on their Boards.
In connection with the promotion, Carroll will receive $60,000 in restricted stock vesting pro rata over three years, and his annual performance-based restricted stock grant percentages will increase at threshold, target, and outstanding award levels. The company states there are no related-party transactions or additional material arrangements tied to this promotion.
Franklin Financial Services Corporation reported significantly stronger first quarter 2026 results. Net income for the three months ended March 31, 2026 was $6.637 million, up from $3.922 million a year earlier, with diluted earnings per share rising to $1.48 from $0.88.
Profitability ratios improved, as return on average assets reached 1.20% and return on average equity was 15.13%. Net interest margin expanded to 3.53%, while the efficiency ratio improved to 63.64%. The company declared a regular cash dividend of $0.33 per share and reported total assets of $2.298 billion and total deposits of $1.890 billion.
Franklin Financial Services Corporation declared a $0.34 per share regular cash dividend for the second quarter of 2026, slightly higher than recent payouts.
The dividend compares with $0.33 per share in both the first quarter of 2026 and the second quarter of 2025, a 3.0% increase over the same quarter in 2025. It will be paid on May 27, 2026 to shareholders of record at the close of business on May 1, 2026.