Franklin Financial Network (FSB) 8-K Except for the historical information contained herein, this presentation contains forward-looking statements

Franklin Financial Network, Inc.

(NYSE:FSB)

Third Quarter 2015

Investor Call

October 28, 2015

Exhibit 99.1

Forward-Looking Statements

Except for the historical information contained herein, this presentation contains forward-looking statements

within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities

Exchange Act of 1934, as amended. The forward-looking statements include, among other things, statements

regarding intent, belief or expectations of the Company and can be identified by the use of words such as "may,"

"will," "should," "would," "assume," "outlook," "seek," "plan," "believe," "expect," "anticipate," "intend," "estimate,"

"forecast," and other comparable terms. The Company intends that all such statements be subject to the “safe

harbor” provisions of those Acts. Because forward-looking statements involve risks and uncertainties, actual

results may differ materially from those expressed or implied. Investors are cautioned not to place undue reliance

on these forward-looking statements and are advised to carefully review the discussion of forward-looking

statements and risk factors in documents the Company files with the Securities and Exchange Commission. The

Company undertakes no obligation to publicly update or revise any forward-looking statements, whether as a

result of new information, future events or otherwise.

2

Franklin Financial Network

Trading Symbol: FSB (NYSE)

Primary Subsidiary: Franklin Synergy Bank

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Bank opened in November 2007

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Located 15 miles south of Nashville

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Headquarter county, Williamson, TN, among wealthiest in nation

Recent News

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September 30, 2015: Surpassed $2 billion total assets milestone

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April 27, 2015: FSB added Nashville-based Healthcare Banking team

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March 31, 2015: FSB completed IPO, raising $55 million in capital

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July 1, 2014: FSB acquired MidSouth Bank in Murfreesboro, Tennessee

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3Q 2015 Financial Highlights

Earnings

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Net income: record earnings for 3Q15

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Earnings per share: increased in 3Q15

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Most profitable quarter in the history of the Company

Growth

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Continued robust loan growth: 52.8% (3Q 2015 vs. 3Q 2014)

Asset Quality

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Excellent and continuing to improve

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5

FSB Earnings

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FSB Net Income –

Quarterly and Year-to-Date

Quarterly

3Q 2015

2Q 2015

% Growth

3Q 2014

% Growth

Net Income

$5,150

$3,134

64.3%

$2,015

155.6%

Year-to-Date

3Q 2015

3Q 2014

% Growth

Net Income

$11,416

$5,579

104.6%

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FSB Earnings

8

Quarterly

3Q 2015

2Q 2015

% Growth

3Q 2014

% Growth

Earnings

Per Share

$0.49

$0.30

63.3%

$0.26

88.5%

Year-to-Date

3Q 2015

3Q 2014

% Growth

Earnings

Per Share

$1.17

$0.94

24.5%

9

Items Significantly Impacting 3Q 2015 Net Income

One-time item: full payoff received on purchased credit-impaired loan

relationship ($1.2 million, pre-tax)

Continued maturation of bank: interest-adjusted revenues significantly

outpacing growth of operating expenses

Investment in Nashville-based healthcare banking team rewarding: loan

growth of $64.2 million in third quarter 2015

Leverage of new capital completed by purchasing investment securities

during 2Q 2015 and 3Q 2015

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FSB Profitability

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FSB Profitability

12

FSB Value

13

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FSB Loan Growth

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Loan Growth Rates (End of Period Loans)

3Q 2015 vs. 3Q 2014

$393.6 million, or 52.8%

3Q 2015 vs. 4Q 2014

$332.8 million, or 55.2% (annualized)

3Q 2015 vs. 2Q 2015

$159.5 million, or 64.6% (annualized)

16

Loan Growth Emphasis

All major categories of loans contributing to loan growth

Business loans grew 215.5% (vs. 3Q2014)

Healthcare unit grew $64.2 million during 3Q2015

Real estate loans (excluding loans held for sale) grew 39.7% (vs.

3Q2014)

Local residential construction continues strong

Investor real estate opportunities continue

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FSB Deposit Growth

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3Q 2015 vs. 3Q 2014

$663 million, or 63.1%

3Q 2015 vs. 4Q 2014

$542 million, or 61.9% (annualized)

3Q 2015 vs. 2Q 2015

$223 million, or 59.2% (annualized)

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FSB Investment Portfolio Growth

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Investment Portfolio Growth

Elevated growth in 2Q 2015 and 3Q 2015 reflects Bank’s capital

leverage program

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FSB Asset Quality

23

FSB Asset Quality

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*National peer is the peer group assigned by the banking regulatory agencies based on various factors, such as asset size, number of branch locations, geographical

location, etc., and is used for statistical comparison by regulators and bank management.

†

Texas Ratio = Nonperforming Assets / (Total Equity Capital + Allowance for Loan and Lease Losses)

*

†

FSB Asset Quality

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26

FSB Loan Concentration (excludes Loans Held For Sale)

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FSB Real Estate Loan Segments

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FSB Initial Development Plan

Phase 1: Build foundation of a strong, viable, local community

bank in the Williamson County market, focused on organic growth 

Phase 2: Create a liquidity event (to reward shareholders) and

create a currency (to use for banker incentives and business

acquisitions)

•

Initial

Public Offering –

March 2015

•

Listing on New York Stock Exchange

Phase 3: Expand FSB markets through (1) geographic expansion

and/or (2) product line expansion

•

Acquisition of

MidSouth Bank –

July 2014

•

Healthcare team added 2Q 2015

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Keys to Enhancing Continued Profitability

Improve interest margins

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FSB Margin Analysis

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FSB Margin Analysis

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FSB Margin Analysis

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Keys to Enhancing Continued Profitability

Improve interest margins

Improve efficiency ratio

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FSB Efficiency Ratio

* Excludes $1.2 million in loan income from payoff of purchased credit-impaired loan. Actual ratio for 3Q2015 was 52.9%.

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Keys to Enhancing Continued Profitability

Improve interest margins

Improve efficiency ratio

Optimize non-interest income

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FSB Mortgage Production Trends

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Key Elements of FSB Performance

Growth

Real

Estate

Lending

Asset

Quality

Proven,

Successful

Banking

Model

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