This institution is no longer active

Operations ceased on April 1, 1998. CRA examination history below reflects the period it was active.

FRANKLIN FIRST SAVINGS BANK

WILKES-BARRE, PA · Supervised by FDIC

Est. 1934FDIC #29,136RSSD: FDIC-29136

Part ofONBANCORP INC→ View all charters

Outstanding Up

Current rating · Exam: July 1996

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.61%

Institution Profile

FDIC BankFind

Address

44 West Market Street, WILKES-BARRE, PA

County

Luzerne County

Established

September 1, 1934

Total Assets

$1.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 1996

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 1998Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$962M

Net Loans

$983M

Net Income

$2M

ROA

0.61%

ROE

8.51%

Risk-Based Capital

12.67%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

1 previous rating locked — dating back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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