{"schema_version":"secwatch.filing_event.v1","accession":"0000723646-26-000063","form_type":"8-K","ticker":"FRAF","cik":"0000723646","company_name":"FRANKLIN FINANCIAL SERVICES CORP /PA/","filed_at":"2026-07-24T11:45:27+00:00","discovered_at":"2026-07-24T11:50:00.310272+00:00","generated_at":"2026-07-24T11:50:12.275125+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Franklin Financial Q2 net income up 11.9% to $6.6M; NPLs double to $17.7M","bullets":["Q2 2026 diluted EPS $1.47 vs $1.32 a year ago; net income $6.6M, up 11.9%.","Net interest income rose 12.2% to $19.3M; net interest margin 3.50% vs 3.21%.","Nonperforming loans surged to $17.7M (1.1% of loans) from $8.5M (0.55%) at Dec 2025, driven by two CRE loans.","Allowance for credit losses on loans increased to 1.36% from 1.32%; provision was $1.6M vs $704K in Q2 2025.","Declared $0.34 quarterly dividend, payable Aug 26, 2026 to holders of record Aug 7, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0000723646-26-000063","json":"https://secwatch.observer/filing/0000723646-26-000063.json","markdown":"https://secwatch.observer/filing/0000723646-26-000063.md","text":"https://secwatch.observer/filing/0000723646-26-000063.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/723646/000072364626000063/0000723646-26-000063-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/723646/000072364626000063/fraf-20260724x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-24T11:50:12.275125+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"}