Risk factors
Franklin Financial Services (FRAF) risk factors
Item 1A of every Franklin Financial Services Corp. 10-K on file, and what changed from one year to the next.
- 2026 10-K risk factors
24 risks, 3 new, 1 dropped, 1 reworded since the prior year. AI is now identified as a risk in both operations and cybersecurity, including faulty or biased third-party AI outputs.
Filed Mar 13, 2026 - 2025 10-K risk factors
22 risks. 83% of loans, or $1.159 billion, are secured by real estate, and 79%, or $1.111 billion, are commercial loans.
Filed Mar 14, 2025