Franklin Financial Services Corporation · NASDAQ:FRAF
Franklin Financial Services — Q3 2026 Earnings Presentation
18 slides from Franklin Financial Services's earnings presentation, Nov 2, 2026
Slide 1: Investor Presentation: Third Quarter 2026 Highlights
Investor Presentation nial Third Quarter 2026 Highlights ‘Stock Symbol: FRAF (Nasdaq)
Slide 2: Forward-Looking Statements
Forward-Looking Statements Cerin etatement appari herein wich ae not hire in ate are fowarsoking eatents iin the meaning ofthe Pte See 0 1995 Such ‘ctrl “antopa,or amir tes. Becasnfrwrtsbokng datiments nol crn ek, uncertainties ard obec over which Frank Fancl SovneCorporston has tee Ltgaton Ret ro d
Slide 3: About Our Company
About Our Company ember Total Assets Gross Loans $2.36B $1.62B ‘34% deposit market share in Franklin County Expanding AUM ($1.58) of aiferentiated wealth ‘management business drives ‘non interest income Total Deposits Market Cap $1.96B $278M TRUST 0.27% &:year average NPL! Gross Loans, 0.03% S.year
Slide 4: Third Quarter 2026 Financial Highlights
Third Quarter 2026 | Financial Highlights SSE Wealth Management Net Income Ai 8.5 million sass scons soe lM $1.478 a wx tne ome Sar tox Ko Tae ou som som san ostot Deposits | Yelgonsaning ore, 07 a 1.46% aes
Slide 5: Founded in 1906, F&M Trust Operates in South-Central Pennsylvania and Northern Maryland
Founded in 1906, F&M Trust Operates in South-Central Pennsylvania and Northern Maryland 22 Locations Sing Washington County MD a Primary Trade Area bs 5 . ote mel) Sad Prmaneern 56
Slide 6: Experienced and Cohesive Executive Team
Experienced and Cohesive Executive Team ees Sait Bark That Fre cra Wet cnetereci ote a 2s em Ba Tat hate 8. Caro Je Pract & et Ooty te o macy S47 Ba, eet tac tee com, cow peor actor Seer Encane Vee Presa, Ct Fw er ” me Votes Tost ose Nec, CERP,CROM execu ves Pres, Cet Raker os See ston 0.00 vec Vee
Slide 7: Net Interest Income
Net Interest Income (s towsanae) ‘Annual Quarterly
Slide 8: Diversified Noninterest Income
Diversified Noninterest Income’ (srosande Annual uartety os a oan ye se ase = so eo ie
Slide 9: Wealth Management Growth Drives Noninterest Income and Profitability
Wealth Management Growth Drives Noninterest Income and Profitability
Slide 10: Deposits
Deposits
Slide 11: Diversified Loan Portfolio
Diversified Loan Portfolio (S bousands) ‘Annual Quarterly
Slide 12: Largest Non-Owner-Occupied CRE Concentrations
Largest Non-Owner-Occupied CRE Concentrations (5 bovsands) ‘Annual Quarterly
Slide 13: Credit Quality
Credit Quality Nonpetermng ast! (NPA) Teal asa Alewanc or cretloses (ACL) Gross oans amy NNICRaGEatE Races Arg ae Neapedomng lone! Gross oars
Slide 14: Capital
Capital 20% 18% = 16% 14% 12% a. 3m 8% 10% Pa = o% co vane = 6% i on _ * % 2% ox svottonnceet seotrannanz2 mects2an2023 ‘mao onan aot 2012028 ‘awotocnctas nara cnt) a Lenepeite e!) Canmore ett) Taper ests) —A—Tangb eames tt en A)
Slide 15: Stock Symbol: FRAF (Nasdaq)
Stock Symbol: FRAF (Nasdaq) www.franklinfin.com www.fmtrust.bank ui 717-261-3553 ‘[email protected]
Slide 16: Appendix
Appendix
Slide 17: Summary Performance Metrics
Summary Performance Metrics ‘ated earings pr share s ms ws wis aes ams 205 ams 42 ‘en overage assets er rt 0% ones omm ome 1mm vines sams ous onls ims ims 1s ims 13 Bento pr tre s mes ons wuls wns mos mms mrs 2% Tanpulepoovae por sce s mes mms omnis mos ms mrs mms ne Manet p(s) somos ms mols mos mys
Slide 18: GAAP / Non-GAAP Reconciliation
GAAP / Non-GAAP Reconciliation
Franklin Financial Services — Q3 2026 Earnings Presentation on 6ix