| | | | | | | | | | | | | | | | | | | | | | | | Regulatory Ratios | | | | | | | Adequately | | Well | | | June 30, | | December 31, | | Capitalized | | Capitalized | (Dollars in thousands) | | 2025 | | 2024 | | Minimum | | Minimum | | | | | | | | | | Common Equity Tier 1 Risk-based Capital Ratio (1) | | | | | | | | | Franklin Financial Services Corporation | | 10.91% | | 11.31% | | N/A | | N/A | Farmers & Merchants Trust Company | | 11.50% | | 11.71% | | 4.50% | | 6.50% | | | | | | | | | | Tier 1 Risk-based Capital Ratio (2) | | | | | | | | | Franklin Financial Services Corporation | | 10.91% | | 11.31% | | N/A | | N/A | Farmers & Merchants Trust Company | | 11.50% | | 11.71% | | 6.00% | | 8.00% | | | | | | | | | | Total Risk-based Capital Ratio (3) | | | | | | | | | Franklin Financial Services Corporation | | 13.33% | | 13.85% | | N/A | | N/A | Farmers & Merchants Trust Company | | 12.75% | | 12.96% | | 8.00% | | 10.00% | | | | | | | | | | Tier 1 Leverage Ratio (4) | | | | | | | | | Franklin Financial Services Corporation | | 7.78% | | 7.92% | | N/A | | N/A | Farmers & Merchants Trust Company | | 8.20% | | 8.20% | | 4.00% | | 5.00% |
(1)Common equity Tier 1 capital / total risk-weighted assets (2)Tier 1 capital / total risk-weighted assets (3)Total risk-based capital / total risk-weighted assets (4)Tier 1 capital / average quarterly assets
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