bank with frank header

Listen to what our customers say


Sunshine Pools owners Jeff, Nathan and Kim LaRoche, with FSB’s Mike Mansir.

Keeping people cool in the summer and their driveways clear in the winter is the lifeblood of three-generation family business, Sunshine Pools. And banking with Franklin Savings Bank helps the LaRoche family keep the pool water flowing.

“Keeping our money local is a big part of it. We appreciate that the branches are in the communities where we work,” said Kim, who runs the business with her husband, Jeff, and son, Nathan.

“My parents banked at Franklin forever. We just like the people,” said Jeff.

Rangeley Lakes Heritage Trust: Franklin Savings Bank’s Leeanna Wilbur with Deanna Caron, Shelby Rousseau, Heather Targett,
Chris Devine, Randy Targett and Anthony Colello.

The benefits of banking with the local community bank are many, according to Chris Devine, executive director with Rangeley Lakes Heritage Trust, which recently completed major upgrades to its Cupsuptic Lake Park and Campground. “From tractors to land purchases, they’ve been able to help us.”
“Your word means something at Franklin Savings Bank,” adds Randy Targett, who’s had personal accounts at the local bank for more than 35 years.

Heidi Ferguson, owner of Sandy River Greens in Rangeley, with FSB's Crystal Haley and Leeanna Wilbur

When you make your living on plants, you know that there are often factors beyond your control that determine outcome.
Fortunately, getting help with a complicated financing arrangement was much easier for Sandy River Greens’ owner Heidi Ferguson, thanks to Franklin Savings Bank.
“This girl goes right to bat for people,” Ferguson says, of Leeanna Wilbur. “All along the path, she made sure I understood the process.”

Stephanie Keep, owner of Keep Corner Café with FSB's Crystal Haley and Leeanna Wilbur

Whether you are hungry or just want to find out what’s up in town, folks in Rangeley know to go to the Keep Corner Café. Where does the Keep Corner Café go for help with business questions?
“It’s so nice to know that you can call someone up and you get all the information you need without a lot of trouble,” says Stephanie Keep, of her business relationship at Franklin Savings Bank.
“They’re so nice there. It’s like a big family. They are a wonderful team, they really are.”

Laurie Danforth, owner of The Homestead in Farmington, with FSB’s Mike Mansir.

When Laurie Danforth bought the Homestead Kitchen, Bar and Bakery from her parents, Dotty and Allen, who had owned it for 31 years, her choice of lender was easy.
“I love my experience working with Franklin Savings Bank as manager,” says Danforth, who has been working with commercial lender Mike Mansir for 20 years. “You get to talk to the person who makes the decisions.”
“The bank is doing some amazing things in town,” said Danforth, of the bank’s commitment to so many charitable and community sponsorships. “I feel lucky to have Franklin Savings Bank here.”

Cayford Orchards

Heather & Jason Davis, Cayford Orchards, Skowhegan, with FSB's Sally Dwyer

“There’s not enough time in the world to tell you why ‘I Bank with Frank,’” says Heather.

While other banks weren’t willing to invest in the couple’s dream for revitalizing their generational family orchard, FSB said “Yes,” says Jason. “They put a little more faith in us.”

Since then, they have made Cayford Orchards a destination for fall family outings and Maine-made food and crafts shopping. They just put in a new Cider House that enables them to press their apples on site.

Ted Berry

Ted Berry Company's Jim and Matthew Timberlake with Franklin's Lorna Niedner

To be competitive in today’s world, businesses need to be able to respond to changing technology. For the Ted Berry Company in Livermore, that means having a bank that can respond just as fast.
“We’d like to think we could plan 90 days down the road, but opportunities sometimes come up when they come up,” said Jim Timberlake. A case in point are the company’s new highly-specialized trucks, which enable technicians to view and record inside sewer pipes from computers in the truck connected to robotic cameras in the pipes. The trucks were needed right away and Franklin made sure the financing was in place to get the job done quickly.
“It’s important to us to respond rapidly to a customer need. We expect Franklin to do the same,” adds Matt Timberlake. “At Franklin, we have real people we talk to. When we need something, we drive a mile across the bridge to the bank to see Lorna. They take the time to find out about our business. They want to know what we doing, how well we are doing and what we need.”

Black Bear Graphics owners Nate and Amy Morin, with FSB’s Mike Mansir.

When growing a business, it’s good to have a banker you can call to get what you need to make it happen.
“Mike is our go-to guy whenever we need something,” says Amy Morin, who runs Black Bear Graphics with her husband Nate. Just recently, they expanded to a larger location on Farmington Falls Road.
“Franklin has been with us from the beginning. We couldn’t have done it without them.”

Jeff & Tena Ireland
K Tronics Satellite & Home Theater

As independent business owners, Jeff and Tena Ireland have an appreciation for local businesses. And, they appreciate great service. That’s why
K Tronics Banks with Frank.
“Sally’s been great,” said Jeff, adding that FSB supports small business and he doesn’t have to worry about it being sold off to a big corporation.
“With our new new Main Street, Madison, location, we actually have a choice of three banks and a credit union within easy walking distance of the store. Yet we still choose to drive the eight miles to the Skowhegan branch of Franklin Savings Bank!

Mark Cote
Advantage Insurance in Rumford, Weber Insurance in Farmington, Pine Tree Cellular in Mexico and co-owner of Bessey Insurance in Turner

As a young would-be home builder, Mark Cote quickly learned to take rejection gracefully. None of the banks would take a chance on an untested 18-year-old. Then
he went to Franklin Savings Bank and discovered that
“character actually counted.”
Now, decades later, as owner of Advantage Insurance in Rumford, Weber Insurance in Farmington, Pine Tree Cellular in Mexico and co-owner of Bessey Insurance in Turner, Cote continues to Bank with Frank. “You tend to be loyal to the people who had faith in you as a kid,” he says.

Jim Nicols, Locke Summit owner
with FSB’s Rich Allen and Diane Perry.

Jim Nicols has been Banking with Frank for more than three decades. While initially, his business was exclusively logging, he’s diversified to create the luxury home community of Locke Summit in Bethel.
“We didn’t hit it at the best of times for real estate. But it’s better now,” says Jim. “Franklin has always stuck with us, in good times and bad times. That is why this project is still going.”
“They’ve always supported us and believed in what we do.”

Linda and Emily Dupill of Stanley Furniture with Stanley and FSB’s Rich Allen

“It’s always been a pleasure working with Rich. He has a keen perspective on small business and has always been a great resource for us,” says Linda Dupill, owner of Stanley Furniture who owns “The Store Worth Traveling 100 Miles For” with her daughters, Emily and Natalie.
“The people at the Rumford Branch are so friendly and welcoming and they always have a cookie for Stanley,” adds Emily.


Spandits!™ founders, Sarah Doscinski and Kelley Cullenberg with FSB’s Beckie Bowering.

When Sarah Doscinski and Kelley Cullenberg decided to go into business manufacturing and selling SPANDITS!™ “athletic apparel with attitude,” opening their business accounts at Franklin Savings Bank was a pretty natural choice.
While they are well-poised for growth now, the early stages of forming a business were a little challenging.
“Beckie Bowering found a way to open doors for us,” said Kelley. “They have a very sincere interest in our business,” added Sarah.

Moose Alley

Moose Alley's Nancy Bessey with FSB’s Leeanna Wilbur

When Nancy Bessey envisioned bringing “Rock, Roll and Bowl” to Rangeley, she knew it was an ambitious project for a small community.
Fortunately, Franklin Savings Bank could appreciate her vision. “They are part of your team, looking at it from a business development perspective. They are interested in projects that make the area more economically sound.”
Now, not only is Moose Alley a Rangeley hot spot for music and entertainment in all seasons, it was selected as one of the 20 best designed bowling centers in the world by Bowlers Journal International. “It’s pretty amazing, really.”

Jeff Hawksley, Lindsay Richards and Jeanne Thorvaldsen of the Rangeley Health and Wellness Center, with FSB’s Leeanna Wilbur

“They are great support for us and our community. It is a neighborhood bank where they know you by name and that is so important,” says Jeanne Thorvaldsen, Director of Administration.

“FSB has been a staunch and loyal supporter of the Health and Wellness Center since the beginning of the program,” adds Jeff Hawksley, CPT Fitness Director.

Mosher's Seafood

Tawnya Clough, Mosher’s Seafood
Farmington, with FSB’s Mike Mansir

Taking over an established hometown business meant Tawnya Clough had some pretty big shoes to fill. Tapping into the hometown bank made the process easier, particularly when it came to helping craft a custom financing package that works for everyone.

“I really get the feeling that everybody cares about their customers, which is extremely important to me.”



Michael Hunt & Matthew DuBois, The Bankery,
Skowhegan Fleuriste & Formalwear, with FSB's Sally Dwyer

While the idea of opening a bakery in an old bank and living above it seemed far-fetched to other bankers, FSB’s Sally Dwyer was enchanted with the idea. So it’s no surprise that she was the first one Michael and Matthew called when they wanted to expand their successful business to take in the floral shop next door.

Despite difficult economic times, the business has blossomed from three to 14 employees and, with formalwear and invitations, has become a one-stop wedding destination.

“We’re growing in a recession so it makes us feel hopeful when the economy comes back we’ll be able to roll with it,” says Matthew.

“The tellers keep me coming back because they are super friendly. You don’t get that everywhere,” says Michael.


Black Diamond

Ron & Rick Savage, Savage Contracting Inc. & Black Diamond Steak House, among others,
with FSB’s Jen Merrill and Rich Allen.

“I trust the bank and that they’re looking out for us. We’re working guys. They help us keep things straight. I can call Rich or Jen and I feel like I have an employee right there,” says Ron, who runs the businesses with his wife, Cindy, and brother, Rick.

“We have the same philosophy as Franklin: Just work hard and great things will happen.”






Andy Dupuis, Andy Dupuis Towing & Salvage, Andy with son, Andy, grandson, Issac, and FSB’s Diane Perry

Andy Dupuis has Banked with Frank since the bank came to the River Valley in 1968. “I’ve been very satisfied. We built this business and Franklin has been a big plus for us. They helped us through it and we’ve been successful,” he said. And Diane Perry, the branch manager, “She’s a peach! I’ve known her family forever.”


Lakeside Convenience

Paul and Lynn Noyes, Lakeside Convenience & Marina, Rangeley, with FSB's Leeanna Wilbur

FSB’s Rangeley Manager, Leeanna Wilbur, helped Lynn and Paul Noyes maneuver the complex process for Small Business Administration loans and make their dream a reality.
“We knew this was a perfect opportunity for us, but if not for Leeanna, it would never have happened. The SBA piece of the puzzle was extremely difficult. She helped not only from a business standpoint, but as a friend. Leeanna’s way beyond a banker,” says Lynn.


Narrow Gauge

John Moore at his new Snack Shack with FSB’s Rich Allen

“As I have gotten older, being part of the community is more important to me. There’s no one more involved in the community than Franklin Savings Bank,” says John Moore, owner of the Narrow Gauge Theater and the upcoming Snack Shack at the UMF soccer field. “I really appreciate what Franklin Savings Bank does for Franklin County and Farmington. They give back. They’ve earned our business.”

Sugarloaf Ambulances

Ron Morin, Sugarloaf Ambulance/Rescue Vehicles, Wilton, with FSB’s Mike Mansir

Building custom ambulance and rescue vehicles is like building a house on the back of a chassis. It’s a big job but not one Ron Morin’s willing to trust to a big bank.
“It’s the personal touch,” said Morin. Franklin Savings Bank is “easy to work with, easy to talk to. And they make things happen.”


Professional Vehicles

Bill Gates, Professional Vehicles Corp., with FSB’s Rich Allen

“From Day One, we’ve been with Franklin Savings Bank. It’s a bonus to have local decisions. Rich knows our business very well,” says Bill, whose 16-year-old custom vehicle business started out in his basement and now employs 18 in its new Rumford facility.

Howie's Welding

Mary Howes with Jay Branch Manager Lorna Niedner

Howie’s Welding and Fabrication Inc. didn’t always bank with Franklin. When the Jay company was smaller and needed to build an addition to grow the business, their old banker wouldn’t fund it. They were pleased to find Franklin was willing to invest in Howie’s. As the business has grown, so has the relationship with Franklin Savings Bank.
“Franklin Savings is like a partner with us, like family,” says Mary Howes, president of Howie's Welding.
But the value of a good banker goes beyond helping a company grow when times are good. Business can be cyclical and sometimes there are slow periods. “It is feast or famine. Franklin has always helped us through the slow spells,” says Mary.



Subway owners Pete and Carla Dougeneck with Skowhegan Branch Manager Sally Dwyer

Why bank at Franklin?
"Franklin was the bank that listened to the little guy," says Pete Dougeneck, who runs the Skowhegan Subway restaurant with his wife Carla and three children. Pete and Carla searched to find a town that was growing but still had traditional values. Skowhegan fit the bill.
"The big banks found it hard to believe we could give up big city business for small town Skowhegan." Franklin's Commercial Lending VP Mike Mansir and Skowhegan Branch Manager Sally Dwyer understood. "I knew right then and there it was going to be a pleasure. It's all about family to us," said Pete.


Karen and Robert Thorndike with FSB Commercial Lender, Vice President Mike Mansir

Bob and Karen Thorndike have plenty to do running Thorndike and Sons excavating and trucking, Maine-ly Trees logging and woodlot management and their 120-head family Angus farm in Phillips. They don't need headaches from their bank.

That's why they bank at Franklin Savings Bank. They had been with another bank that had changed hands a few times. Their financials were good but Bob was told the bank wanted larger or smaller businesses and he had 30 days to pay off his loans. “I was in between what they wanted to deal with.”Another bank told Bob his business was welcome as long as times are good. “You never know what’s coming at you in this business, weather, market conditions... Sometimes in the spring, we go three months without working. We need a bank that’s here for us when we aren’t making money.”Things were different at Franklin. “They said, ‘If you’re here for us in the good times, we’ll be here for you in the bad times.’ If you’re having hard times, you need a bank that will work with you and Franklin Savings Bank always has.”



Commercial Lender Mike Mansir with Kevin Vining

As far as Kevin Vining is concerned, Mike Mansir is Franklin Savings Bank’s Best Asset.
With Mike’s help, he bought E.L. Vining & Son from his father 22 years ago. Since then, it’s grown 32 times in size. The Farmington contractor now employs between 60 and 70 people.“He’s always been great to deal with, through good times and bad. That’s what makes a great relationship, knowing you can count on him regardless,” says Kevin.



Tom Puiia chats with Franklin's Rumford-Mexico Branch Manager Diane Perry and Commercial Lender Rich Allen.

The Lumber business has been a major part of the Puiia family since 1952, when Tom Puiia's parents, Nick and Dot, built their Rumford lumber yard. Much has changed since then. The Rumford yard is gone and, since 2004, Tom has been running a new yard and store in Mexico. Where did he go for financing? Franklin Savings Bank, of course.
"Why would anyone bank anywhere else?" says Tom, owner of Puiia Lumber Co. Inc. "I've always banked with Franklin, ever since I started working for my father in the 1970s. It's a fun place to go. I usually know everybody."



Kurt Moody with Mike Mansir

"I don't know why people would bank anywhere else."

"I've never done business with anyone else," says Kurt Moody, who recently launched Kurt's Lawn and Property Care. "Whenever I need something, I call Mike and I get it. I don't have to jump through hoops."

Kurt believes he has had just about every product Franklin Savings Bank offers over the many years he has been a partner in a construction business. He had always dreamed of owning his own lawn care business and when the time came to put the plan together, he brought it to his Hometown Banker.


M&H Logging

Scott Millbury, David Haley and Ken Hale with Rangeley Branch Manager Leeanna Wilbur

Consistency. Local control. Local service.

These are things that make a difference to M & H Logging and Construction. The Rangeley-based company has seen many other bankers come and go since it began operation in 1981. But through it all, owners Scott Millbury and David Haley and general manager Ken Haley have known they could count on their Hometown Banker to be there when it counts.

“If ever there is a problem, Leeanna is there,” says Scott, of Rangeley Branch Manager Leeanna Wilbur. “A small bank has more local control. Leeanna doesn’t need to call out of state for approval,” said David.

“Leeanna showed a lot of interest in our needs, the ups and downs of our business. She’s able to work with us and not send in someone from away,” said Ken. “She cared and wanted to do business with us.”



Mike Mansir with Bill Marceau

It takes a Community Banker to know the Community.

Recognizing potential in people is something that sets Franklin Savings Bank apart from other financial institutions. When Bill Marceau was “the new guy” in town, most lenders didn’t give a second look to his ambitious projects. Mike Mansir of Franklin Savings Bank did and he hasn’t looked back. Bill’s bustling Foothills Management now handles hundreds of rental units in dozens of buildings and he continues to count on Franklin Savings Bank for flexible, responsive, convenient and, best of all, friendly banking.

‘Franklin Savings Bank has been a great partner for Foothills Management,” says Bill.

Erik Designs

Erik and Cheryl Dickson with Franklin's Rich Allen

It was Franklin Savings Bank's "can-do" attitude that clinched the deal for Erik and Cheryl Dickson of Erik Designs.

When they were expanding their sign and graphics business 12 years ago, some banks stalled in giving them an answer.

Our banker said "'We'll take care of you' and he did," says Cheryl. "For a young couple just starting out and scared to death of a big debt, he made us feel comfortable."

"It's our Hometown Bank. You talk to the people who make the decisions," added Erik.



Bob and Karen Rowe with Mike Mansir

"Franklin Savings Bank believed in us from the beginning of the whole loan process," says Bob Rowe, who recently opened Rowe Auto Service on Farmington Falls Road. "It was 'Go' from the moment we met Mike," says Karen Rowe, of commercial lender Mike Mansir.

"Never once did they make us think this wasn’t going to work or the loan wouldn’t go through. Mike stayed in touch and was always accommodating. We feel this is personal banking at its best and thank Franklin Savings Bank sincerely for helping make our dream of owning our own business come true.”



Jim and Deanna Jannace and Leeanna Wilbur of Franklin Savings Bank look over Jannace’s custom embroidery operation in Rangeley.

Rangeley is a classic small town, comfortable and easy-going. For small business owners, those traits are just important for their bankers.

It’s one reason Jim Jannace, owner of Nancy’s Gifts and Jannace’s Backwoods Clothing and Custom Embroidery, chooses Franklin Savings Bank.

“It’s a small town bank. I’ve always felt very comfortable at Franklin Savings Bank. They make us feel at home,” says Jim. “When you call down there, everybody knows who you are. You can call Leeanna anytime you need help.”


Northern Lights

Todd Richard and Marty Farnum with Franklin's Peter Judkins and Mike Mansir

Todd Richard and Marty Farnum love what they do. After all, their business, Northern Lights Hearth and Sports in Farmington, has become the place to go for people who want to make informed purchases of woodstoves and outdoor gear.

But previous financial dealings took the fun out of it. “We were supposed to feel good, but we felt like we’d been through the wringer,” said Marty. The rate seemed low at first, but by the time they closed the loan, more documents were needed, requiring additional legal work, and the price tag for out-of-pocket expenses grew substantially.

They decided to give Franklin Savings Bank a shot. “It was nice. It was simple, quiet and it was done,” said Marty. And working with the only locally-owned bank in Franklin County means more than quick response from their bankers. It means supporting local business. “We rely on our community to support us and we support the community,” said Todd. “That’s the key.”


Ellis Pond

Dennis Daniel with Rich Allen

Running a small business was nothing new to Dennis Daniel. The Rumford native had owned or operated several over the years. But it wasn’t until he sat down with Rich Allen of Franklin Savings Bank to work out the financing for his new venture, Ellis Pond Variety, that he understood how much easier it is to do business with a community bank.
"Easy in, easy out. We were very relaxed. You didn’t get that corporate feeling,” he said, noting that he felt like just a number to the big bank where he used to do business. This deal needed to be closed very quickly and Dennis was surprised when Rich was able to pull it together within a month. “Everyone was amazed at how fast it went.”



Bob Pidacks with Rich Allen and Peter Judkins

Bob Pidacks is a “Hands-On” kind of guy.

He knows heavy equipment and how to successfully run R.S. Pidacks Inc. in Livermore, the only three-stage portable rock crushing plant for hire in Maine.

Since he was 19 and bought his first bulldozer, Pidacks learned he can count on Franklin Savings Bank to work out the financing details.
“I hate paperwork. What I do is make this machine run. They’re best at financing. I say ‘this is what I want to do’ and they take care of it,” says Pidacks. “Franklin Savings Bank simplifies things. They help you get through the red tape.”


Marshall's Machine

Fred and Lisa Marshall

Running Marshall's Machine in Skowhegan has taught Fred and Lisa Marshall one thing: When it comes to small business banking, bigger isn't better.

"When the bank we were with was bought by a bigger bank, they didn't care about us," says Lisa. "Now they care. When you get big, they want you back, but when you're small and need a bank, they don't want to help you grow."

"The other bank kept growing until you couldn't talk to them," says Fred.

Over the past decade, the couple has gone from one employee to seven. At the same time, they have gone from having a few personal loans with Franklin Savings Bank to moving all of their personal and business accounts to Western Maine's Hometown Banker.

"Franklin Savings Bank is easy to do business with," says Fred.