secwatch.observer — SEC 8-K summary
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Issuer:     FRANKLIN FINANCIAL SERVICES CORP /PA/ (FRAF)
CIK:        0000723646
Form:       8-K
Filed at:   2026-07-24T11:45:27+00:00
Accession:  0000723646-26-000063
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/723646/000072364626000063/0000723646-26-000063-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/723646/000072364626000063/fraf-20260724x8k.htm
  HTML page:      https://secwatch.observer/filing/0000723646-26-000063

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