FRIEND BANK

SLOCOMB, AL | Small | Est. Oct. 1, 1905, midnight | FDIC #2828 | RSSD #244037 | FDIC
Latest Report: 2025-12-31

FRIEND BANK is asn small FDIC-insured commercial bank headquartered in SLOCOMB, AL, established in Oct. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $213M and total deposits of $183M. Profitability stands at 1.15% ROA and 8.41% ROE, with a net interest margin of 4.79%. The bank's CET1 capital ratio is 13.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.76% and a Texas Ratio of 3.44%. FDIC Certificate #2828.

Assets

$213M

Deposits

$183M

Loans

$138M

Equity

$29M

Profitability

Return on Assets (ROA) 1.15%
Return on Equity (ROE) 8.41%
Net Interest Margin (NIM) 4.79%
Yield on Assets 6.38%
Cost of Funds 1.71%

Asset Quality

NPL Ratio 0.76%
Net Charge-Off Ratio 0.10%
Texas Ratio 3.44%
NPA Ratio 0.51%
ACL / Loans 1.90%

Capital & Liquidity

CET1 Ratio 13.67%
Tier 1 Capital 13.67%
Total Capital Ratio 14.35%
Leverage Ratio 13.63%
Loan-to-Deposit 75.71%

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