---
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"
generated_at: "2026-07-24T11:50:12.275125+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Franklin Financial Q2 net income up 11.9% to $6.6M; NPLs double to $17.7M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000723646-26-000063
- JSON: https://secwatch.observer/filing/0000723646-26-000063.json
- Plain text: https://secwatch.observer/filing/0000723646-26-000063.txt

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