{"schema_version":"secwatch.filing_event.v1","accession":"0000723646-25-000055","form_type":"8-K","ticker":"FRAF","cik":"0000723646","company_name":"FRANKLIN FINANCIAL SERVICES CORP /PA/","filed_at":"2025-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.234540+00:00","generated_at":"2026-05-18T04:44:22.330791+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Franklin Financial Q2 net income up 95% to $1.32 EPS; NPLs surge to $10.8M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000723646-25-000055","json":"https://secwatch.observer/filing/0000723646-25-000055.json","markdown":"https://secwatch.observer/filing/0000723646-25-000055.md","text":"https://secwatch.observer/filing/0000723646-25-000055.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/723646/000072364625000055/0000723646-25-000055-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/723646/000072364625000055/fraf-20250722x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:44:22.330791+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}