The Friendship State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 17.19 percentage points higher than in Q1 2026, at 241.86%. Within Indiana, The Friendship State Bank is 64th of 87 on return on assets, 0.79% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Friendship State Bank sits 0.46 points lower, at 0.79% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.47% |
| Tier 1 risk-based capital ratio | 15.47% |
| Total risk-based capital ratio | 16.62% |
| Tier 1 leverage ratio | 8.79% |
| Equity capital to assets | 7.64% |
| Tangible equity to tangible assets | 7.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.41% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 3.55% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 241.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.79% |
| Return on equity | 10.54% |
| Net interest margin | 3.49% |
| Efficiency ratio | 76.31% |
| Yield on earning assets | 4.96% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.91% |
| Core deposits to total deposits | 86.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.03% |
| Securities to assets | 30.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.24% | 15.24% | 16.48% | 7.97% | 0.57% |
| Q4 2023 | 15.43% | 15.43% | 16.67% | 8.12% | 0.73% |
| Q1 2024 | 15.65% | 15.65% | 16.88% | 8.58% | 0.60% |
| Q2 2024 | 15.41% | 15.41% | 16.60% | 8.69% | 0.53% |
| Q3 2024 | 15.38% | 15.38% | 16.55% | 8.63% | 0.67% |
| Q4 2024 | 15.18% | 15.18% | 16.37% | 8.60% | 0.71% |
| Q1 2025 | 15.14% | 15.14% | 16.32% | 8.55% | 0.55% |
| Q2 2025 | 15.06% | 15.06% | 16.23% | 8.42% | 0.64% |
| Q3 2025 | 15.03% | 15.03% | 16.19% | 8.42% | 0.71% |
| Q4 2025 | 15.10% | 15.10% | 16.26% | 8.47% | 0.86% |
| Q1 2026 | 15.18% | 15.18% | 16.32% | 8.58% | 1.05% |
| Q2 2026 | 15.47% | 15.47% | 16.62% | 8.79% | 0.79% |
The Friendship State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Friendship State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Friendship State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13130) · FFIEC NIC profile (RSSD 427241)