Franklin Bank provides banking services to residents and businesses in Salem, Atlantic, Gloucester, Cumberland and Cape May Counties in New Jersey.

How safe is our bank? One of the most important measures of the strength and safety of any bank is its level of capital (equity). Each FDIC insured institution is assigned to one of three capital groups which are based solely on the level of an institution's capital. They are "well capitalized", "adequately capitalized" and "undercapitalized". Franklin Bank is currently classified as "well capitalized" and maintains a capital level well in excess of all minimum requirements. The FDIC requires that banks meet a risk based capital standard expressed as a percent of risk weighted ratios known as Tier 1 and Tier 2 capital ratios. The minimum required risk based capital ratios for banks are 4% for Tier 1 capital and 8% for Tier 2 capital. Franklin Bank's risk weighted capital ratios at June 30, 2008 (our most recent reporting date) are 16.15% for Tier 1 and 17.08% for Tier 2. We hold nearly four times the minimum requirement for Tier 1 capital and more than double the minimum required for Tier 2 capital.