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The Friendship State Bank

$100M-$1B Specialty: Other IN FDIC cert 13130

Friendship, IN

9 branches across IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
  • Deposits +4.0% year over year ($478.7M on the books).
  • Delinquency rate 0.37%.
  • Return on assets 0.92%.
  • Efficiency ratio 74.66% vs a 64.48% peer average.
  • Loan-to-deposit ratio 69.20% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

The Friendship State Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 41.8% in tier
  • + Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 23.7% in tier
  • - Flatlined Growth: Bottom 28.4% in tier
  • - Credit Quality Pressure: Bottom 29.5% in tier
  • - ROA 0.40% below tier average
  • - Net Interest Margin 0.58% below tier average
  • - Efficiency Ratio 10.18% above tier average
Get updates when The Friendship State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $543.8M
-0.0% YoY -2.9% QoQ
+$157.2M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
76%
Total Loans ? $331.3M
+5.5% YoY +1.3% QoQ
+$72.9M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
72%
Total Deposits ? $478.7M
+4.0% YoY -0.4% QoQ
+$152.0M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
78%
Return on Assets ? 0.92%
+54.2% YoY -12.2% QoQ
-0.40% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
29%
Net Interest Margin ? 3.41%
+14.0% YoY +3.8% QoQ
-0.58% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
24%
Efficiency Ratio ? 74.66%
-8.7% YoY +3.0% QoQ
+10.18% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
21%
Delinquency Rate ? 0.37%
+64.7% YoY +1.7% QoQ
-0.55% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
53%
Loan-to-Deposit Ratio ? 69.20%
+1.4% YoY +1.7% QoQ
-8.75% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
70%
Non-Interest-Bearing Deposit Share ? 15.26%
+5.6% YoY +2.9% QoQ
-6.77% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
25%
Nonperforming Asset Ratio ? 0.23%
+73.7% YoY +6.0% QoQ
-0.44% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
58%
Tier 1 Capital Ratio ? 15.47%
+2.7% YoY +1.9% QoQ
-0.43% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.66%
+12.0% YoY +87.4% QoQ
+0.09% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
Top 6.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Noninterest-Bearing 15.3%
+0.8pp YoY
+0.4pp QoQ
 -6.9pp 22.1% 16.8% 22.2% 25%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 1.5%
-0.3pp YoY
-0.1pp QoQ
 -10.1pp 11.6% 11.1% 12.5% 5%
CRE 26.7%
+1.6pp YoY
+0.7pp QoQ
 -12.9pp 39.5% 36.2% 41.4% 29%
1-4 Family 59.6%
-1.7pp YoY
-0.8pp QoQ
 +27.0pp 32.6% 40.0% 31.3% 90%
Consumer 3.9%
-0.5pp YoY
0.0pp QoQ
 -0.2pp 4.1% 3.2% 5.0% 69%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 15.5%
+0.4pp YoY
+0.3pp QoQ
 -3.4pp 18.8% 17.5% 19.7% 54%
Leverage Ratio 8.8%
+0.4pp YoY
+0.2pp QoQ
 -3.4pp 12.2% 13.0% 12.6% 9%
Total Capital Ratio 16.6%
+0.4pp YoY
+0.3pp QoQ
 -3.3pp 19.9% 18.7% 20.8% 54%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 117
-1 (-0.8%) YoY
+1 (+0.9%) QoQ
 +58 58 237 482 92%
Assets per Employee ($) $4.6M
+0.8% YoY
-3.7% QoQ
 -$2.9M $7.5M $7.5M $8.8M 10%
Branch Count 9
0 YoY
0 QoQ
 +4 4 17 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
 -0.3pp 0.3% 0.2% 0.4% 38%
Nonaccrual 0.3%
+0.2pp YoY
0.0pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 40%
Allowance Coverage 2.72x
-43.0% YoY
-3.6% QoQ
 -21.43x 24.15x 6.71x 20.23x 56%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 56%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 12.4%
+3.2pp YoY
-2.0pp QoQ
 +0.3pp 12.2% 11.2% 11.6% 52%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
-0.1pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 40%
Net Income ($, YTD) $2.5M
+57.1% YoY
— QoQ
 -$15K $2.6M $16.3M $40.4M 62%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#277 of 661 • Top 41.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.66%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.92%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk
#223 of 936 • Bottom 23.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#151 of 529 • Bottom 28.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.92%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Quality Pressure

risk
#372 of 1256 • Bottom 29.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.37%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

165
Non-Interest Income / Assets
revenue_mix
Value: 0.66%
Peer Median: 0.57%
#165 of 2643 Top 6.2% in $100M-$1B
590
Total Deposits
size
Value: $478.71M
Peer Median: $326.73M
#590 of 2643 Top 22.3% in $100M-$1B
646
Total Assets
size
Value: $543.78M
Peer Median: $386.57M
#646 of 2643 Top 24.4% in $100M-$1B

Top Weaknesses (2 metrics)

2091
Efficiency Ratio
profitability
Value: 74.66%
Peer Median: 64.48%
#2091 of 2643 Bottom 20.9% in $100M-$1B
2017
Net Interest Margin
profitability
Value: 3.41%
Peer Median: 3.99%
#2017 of 2643 Bottom 23.7% in $100M-$1B
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