8-K current report · filed Apr 23, 2026

FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) 8-K Current Report: April 23, 2026

Item 2.02Item EX-99.1FRAF overview

Short answer

FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF) filed an 8-K current report with the SEC on April 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). Exhibit 99.1 contains Franklin Financial Services’ earnings release for the quarter ended March 31, 2026.

FRANKLIN FINANCIAL SERVICES CORP /PA/ 8-K event analysis

AI summary of each reported item and its exhibits

Item 2.02 · Results of Operations and Financial Condition

  • Exhibit 99.1 contains Franklin Financial Services’ earnings release for the quarter ended March 31, 2026
  • Investors should review the exhibit for quarterly results, financial condition, and management commentary

Item EX-99.1 · Exhibit EX-99.1

  • Q1 2026 net income $6.6M, up 69.2% YoY; diluted EPS $1.48 versus $0.88
  • Net interest income rose 18.7% to $18.5M as interest expense declined 19.2%
  • Deposits grew 2.9% to $1.890B, outpacing 0.7% loan growth to $1.552B
  • Commercial real estate loans represented 57.8% of gross loans, highlighting sector concentration risk
  • Nonaccrual loans remained $8.5M, while the largest construction loan reserve increased to $1.0M
  • Quarterly dividend raised 3.0% to $0.34 per share, payable May 27, 2026

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