The Bank's deposit and lending activities reflect the Bank's niche business strategy of primarily serving the substantial number of small to medium sized business, their owners and individual customer in its primary market area, Oakland County and the Grosse Pointe communities in southeastern Michigan.

The area has enjoyed and continues to benefit from a growth-oriented economy for several years. While metropolitan Detroit is still the nation's automotive capital, the local economy is far more diversified than it was 20 years ago. Large concentrations of professionals and non-automotive related business service companies are present in Franklin's market area.

The Bank attracts its target group of small to medium sized businesses through the promotion of select products and services including commercial checking accounts, small business lines of credit and commercial real estate mortgages. The Bank competes aggressively for this business through programs such as direct calling on both customers and referral sources such as attorneys, accountants, and business contacts, as well as award winning advertising.