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The Friendship State Bank
Friendship, IN · FDIC Certificate #13130 · Chartered 10/2
Total assets
$543.78M
Total deposits
$478.71M
Total equity
$41.55M
Net loans
$331.29M
Branches (offices)
9
Net income (YTD)
$2.54M
Rank: #1,686 of 4,213 U.S. banks by assets · #39 of 87 in Indiana. Assets changed -0.0% and deposits 4.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.92% |
| Return on equity | 12.45% |
| Net interest margin (YTD) | 3.41% |
| Equity to assets | 7.64% |
| Tier 1 leverage ratio | 8.79% |
| Uninsured deposits (share of deposits) | 26.1% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 69.2% |
| Real estate loans (share of loans) | 95.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $317.38M | 95.8% | |
| Commercial & industrial | $4.90M | 1.5% | |
| Consumer / individual | $12.89M | 3.9% | |
| Construction & development | $26.16M | 7.9% | |
| Agricultural | $402.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $555.78M | $521.82M | $2.47M | $32.04M |
| Jun 2023 | $546.20M | $487.30M | $2.12M | $29.34M |
| Jun 2024 | $537.12M | $487.50M | $1.49M | $30.78M |
| Jun 2025 | $543.93M | $460.14M | $1.62M | $36.50M |
| Jun 2026 | $543.78M | $478.71M | $2.54M | $41.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $478.71M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $478.71M.
Similar-sized banks
Labette Bank ($544.42M) · Bank Of Texas ($543.56M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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