BlastPoint's Banking Scorecard
Friend Bank
Designations: ✓ CDFI-certified
Slocomb, AL
5 branches across AL
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 63 in AL.
- Deposits +6.6% year over year ($190.9M on the books).
- Delinquency rate 0.49%.
- Return on assets 1.67%.
- Efficiency ratio 63.69% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.31% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Friend Bank shows strong momentum with 4 strengths and 6.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.34% above tier average
- + Net Interest Margin 0.60% above tier average
- + Efficiency Ratio 0.79% below tier average
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$221.0M
+6.2% YoY
+1.5% QoQ
|
-$165.5M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$139.9M
+7.5% YoY
+2.0% QoQ
|
-$118.4M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
31% |
| Total Deposits ? |
$190.9M
+6.6% YoY
+1.8% QoQ
|
-$135.9M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
32% |
| Return on Assets ? |
1.67%
-1.2% YoY
+18.7% QoQ
|
+0.34% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
4.59%
+1.6% YoY
+2.9% QoQ
|
+0.60% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
83% |
| Efficiency Ratio ? |
63.69%
+3.9% YoY
-5.3% QoQ
|
-0.79% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
0.49%
-27.7% YoY
-25.8% QoQ
|
-0.42% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
73.31%
+0.9% YoY
+0.1% QoQ
|
-4.64% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
26.96%
+0.2% YoY
+0.9% QoQ
|
+4.93% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.33%
-22.6% YoY
-24.4% QoQ
|
-0.34% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
13.52%
-2.1% YoY
-1.1% QoQ
|
-2.39% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.22%
-7.0% YoY
+104.5% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
57% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.0%
+0.1pp YoY +0.2pp QoQ |
+4.8pp | 22.1% | 24.0% | 22.2% | 73% |
| Brokered Deposits |
0.5%
+0.2pp YoY 0.0pp QoQ |
-7.4pp | 7.9% | 5.5% | 8.5% | 12% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.3%
-1.5pp YoY -0.5pp QoQ |
-4.3pp | 11.6% | 16.9% | 12.5% | 34% |
| CRE |
44.0%
+5.2pp YoY +0.4pp QoQ |
+4.5pp | 39.5% | 43.5% | 41.4% | 60% |
| 1-4 Family |
38.7%
-0.8pp YoY -0.5pp QoQ |
+6.0pp | 32.6% | 30.6% | 31.3% | 68% |
| Consumer |
2.3%
-0.9pp YoY +0.1pp QoQ |
-1.8pp | 4.1% | 5.7% | 5.0% | 52% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
13.5%
-0.3pp YoY -0.2pp QoQ |
+1.3pp | 12.2% | 13.2% | 12.6% | 78% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
53
+2 (+3.9%) YoY -1 (-1.9%) QoQ |
-6 | 58 | 304 | 482 | 56% |
| Assets per Employee ($) |
$4.2M
+2.2% YoY +3.4% QoQ |
-$3.3M | $7.5M | $6.9M | $8.8M | 6% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 20 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.4% | 47% |
| Nonaccrual |
0.4%
-0.3pp YoY -0.2pp QoQ |
-0.5pp | 0.9% | 1.2% | 1.0% | 47% |
| Allowance Coverage |
3.99x
+37.2% YoY +36.7% QoQ |
-20.16x | 24.15x | 7.50x | 20.23x | 65% |
| Net Charge-off Rate (YTD) |
-0.1%
0.0pp YoY -0.1pp QoQ |
-0.3pp | 0.1% | 0.3% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.4%
-0.2pp YoY +2.0pp QoQ |
+0.2pp | 12.2% | 10.0% | 11.6% | 52% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 31% |
| Net Income ($, YTD) |
$1.8M
+3.5% YoY — QoQ |
-$745K | $2.6M | $17.2M | $40.4M | 48% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.