10-Q quarterly report · filed Aug 10, 2026

FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) Q2 2026 10-Q Quarterly Report

Short answer

FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) filed its Q2 2026 10-Q quarterly report on Aug 10, 2026 for the quarter ended Jun 30, 2026. Quarterly revenue was $29M (up 1.2% year over year) with net income of $7M.

Q2 2026 key financials · XBRL

Revenue
$29M
+1.2% YoY · +4.2% QoQ
Net income
$7M
+11.9% YoY · −0.4% QoQ
EPS (diluted)
$1.46
+10.6% YoY · −1.4% QoQ

Source: XBRL data from the FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) Q2 2026 10-Q on SEC EDGAR. USD.

FRANKLIN FINANCIAL SERVICES CORP /PA/ Q2 2026 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Net income $6.6M, up 11.9% YoY from $5.9M
  • Net interest margin 3.50% vs 3.21%; ROA 1.14% vs 1.04%
  • Best segment Wealth Management fees $2.6M, up 6.1% from $2.4M
  • Worst line other noninterest income $84K, down 81.0% from $441K
  • Cash $195.0M, up $67.3M from year-end; loans $1.589B and deposits $1.925B at June 30
  • Headwinds: $1.6M loan-loss provision and nonperforming loans 1.10% vs 0.71% YoY

Risk Factors

  • No material changes to risk factors during six months ended June 30, 2026
  • Carried-forward risks remain detailed in the 2025 Annual Report on Form 10-K
  • No new regulatory, legal, or compliance risk identified this quarter
  • No new liquidity, debt, currency, concentration, operational, or competitive risk identified this quarter

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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