FRIENDSHIP STATE BANK, THE

FRIENDSHIP, IN | Medium | Est. Oct. 26, 1912, midnight | FDIC #13130 | RSSD #427241 | FED
Latest Report: 2025-12-31

FRIENDSHIP STATE BANK, THE is amn medium FDIC-insured commercial bank headquartered in FRIENDSHIP, IN, established in Oct. 26, 1912, midnight. As of 2025-12-31, the bank reported total assets of $555M and total deposits of $475M. Profitability stands at 0.86% ROA and 12.01% ROE, with a net interest margin of 3.34%. The bank's CET1 capital ratio is 15.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.40% and a Texas Ratio of 3.02%. FDIC Certificate #13130.

Assets

$555M

Deposits

$475M

Loans

$326M

Equity

$40M

Profitability

Return on Assets (ROA) 0.86%
Return on Equity (ROE) 12.01%
Net Interest Margin (NIM) 3.34%
Yield on Assets 5.02%
Cost of Funds 1.68%

Asset Quality

NPL Ratio 0.40%
Net Charge-Off Ratio 0.03%
Texas Ratio 3.02%
NPA Ratio 0.24%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 15.10%
Tier 1 Capital 15.10%
Total Capital Ratio 16.26%
Leverage Ratio 8.47%
Loan-to-Deposit 68.76%

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