The Friendship State Bank
Total assets
$543.8M
▼ -0.0% YoY
Deposits
$478.7M
▲ +4.0% YoY
Loans
$331.3M
▲ +5.5% YoY
Offices
9
FRIENDSHIP BCORP
ROA (annualized)
0.92%
peers 1.28%
ROE (annualized)
12.45%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +4.9% | -4.9 pts |
| Deposit growth (YoY) | +4.0% | +4.3% | -0.3 pts |
| Loan growth (YoY) | +5.5% | +5.3% | +0.1 pts |
| ROA | 0.92% | 1.28% | -0.4 pts |
| ROE | 12.4% | 12.4% | +0.0 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
Profile
- Established
- 1912
- Charter
- State
- Primary regulator
- FED
- Holding company
- FRIENDSHIP BCORP
- Specialization
- All Other Under 1 Billion
- Address
- 5908 E Main Street, Friendship, IN, 47021
- County
- Ripley
- Offices
- 9
- FDIC cert #
- 13130
- RSSD ID
- 427241
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $543.8M | $478.7M | $331.3M | $41.6M | $2.5M | 0.92% | 3.41% | 0.23% |
| Q1 2026 | $559.8M | $480.6M | $327.0M | $40.5M | $1.5M | 1.05% | 3.29% | 0.21% |
| Q4 2025 | $554.7M | $474.8M | $323.1M | $40.4M | $3.8M | 0.69% | 3.12% | 0.27% |
| Q3 2025 | $549.9M | $472.8M | $318.9M | $38.7M | $2.6M | 0.64% | 3.05% | 0.07% |
| Q2 2025 | $543.9M | $460.1M | $314.1M | $36.5M | $1.6M | 0.60% | 2.99% | 0.13% |
| Q1 2025 | $543.7M | $457.8M | $309.2M | $35.1M | $744K | 0.55% | 2.91% | 0.07% |
| Q4 2024 | $540.6M | $470.3M | $308.3M | $33.3M | $3.3M | 0.62% | 2.80% | 0.06% |
| Q3 2024 | $538.9M | $472.2M | $299.6M | $35.6M | $2.4M | 0.59% | 2.73% | 0.10% |
Loan mix (Q2 2026): real estate $317.4M · commercial $4.9M · consumer $12.9M · securities $166.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.28% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 12.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.89% | 24th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 61.2% | 83th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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