The Friendship State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Friendship State Bank of Friendship, IN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.79% | 1.35% | -0.56% | 23rd bottom |
| ROAE | 10.54% | 13.32% | -2.78% | 39th below |
| Net Interest Margin | 3.49% | 3.93% | -0.44% | 27th below |
| Efficiency Ratio | 76.31% | 61.12% | +15.19% | 18th bottom |
| PPNR / Avg Assets | 1.03% | 1.68% | -0.65% | 22nd bottom |
| Yield on Earning Assets | 4.96% | 5.67% | -0.71% | 22nd bottom |
| Cost of Funds | 1.50% | 1.88% | -0.38% | 69th above |
| Net Interest Spread | 3.21% | 3.32% | -0.11% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.41% | 0.94% | -0.53% | 50th above |
| NPA / Total Assets | 0.26% | 0.70% | -0.44% | 55th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 32nd below |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 26th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 241.86% | 1546.87% | -1305.01% | 54th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.55% | 7.34% | -3.79% | 49th below |
| Provision / NCO | 0.00% | 1395.98% | -1395.98% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.47% | 19.49% | -4.02% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.47% | 19.52% | -4.05% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.62% | 20.61% | -3.99% | 53rd above |
| Leverage Ratio | 8.79% | 12.14% | -3.35% | 10th bottom |
| Equity / Assets | 7.64% | 11.37% | -3.73% | 10th bottom |
| TCE / Tangible Assets | 7.37% | 11.09% | -3.72% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.91% | 80.67% | -10.76% | 70th above |
| Core Deposit Ratio | 86.09% | 86.85% | -0.76% | 35th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.74% | 5.04% | -1.30% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.03% | 6.84% | -6.87% | 19th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.40% | 7.92% | -2.52% | 50th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.04% | 6.29% | -2.25% | 50th above |
See The Friendship State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Friendship State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Friendship State Bank profile, how to read a UBPR, or how this data updates.