---
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"
generated_at: "2026-05-18T04:44:22.330791+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000723646-25-000055
- JSON: https://secwatch.observer/filing/0000723646-25-000055.json
- Plain text: https://secwatch.observer/filing/0000723646-25-000055.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.