Franklin Financial Q2 net income up 95% to $1.32 EPS; NPLs surge to $10.8M

FRANKLIN FINANCIAL SERVICES CORP /PA/

2025-Q2 EPS reported $2.20

Q2 net income $5.9M ($1.32 diluted EPS) vs $3.0M ($0.66) in Q2 2024, a 94.8% increase.
Net interest income rose 21.3% to $17.2M; NIM expanded to 3.21% from 2.99%.
Nonperforming loans jumped to $10.8M (0.71% of loans) from $0.3M (0.02%) at year-end, driven by two loans.
Loan growth of 8.7% to $1.500B; deposits up 4.3% to $1.893B; deposit cost fell to 1.90% in Q2.
Declared $0.33 quarterly dividend (3.1% YoY increase), payable Aug 27 to record Aug 1.

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