Friendship State Bank: Bank Stress & Real-Estate Credit Exposure

Friendship State Bank (FDIC Cert #13130) carries a DLRadar bank-stress score of 80/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

DLRadar maps Friendship State Bank into 6 counties (43 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Indiana (6 counties). Rather than a standalone rating, the severe score is tied to real markets — every one of the 43 ZIP codes Friendship State Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. What separates this from a plain credit rating is the geographic weighting — Friendship State Bank's 80/100 reading reflects not just its balance sheet but the 6 counties it lends into, so the score doubles as a map of where its stress will land first. Because Friendship State Bank is held under Friendship Bcorp, its financials are open to scrutiny and its trend can be independently checked. A severe score on a footprint this size means the markets Friendship State Bank touches inherit a corresponding share of that lending pressure. At the county level, Friendship State Bank finances markets like Franklin County, IN, Ripley County, IN, Jefferson County, IN, Dearborn County, IN — the specific places where its credit posture translates into local lending capacity. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. The Friendship State Bank score updates as fresh FDIC call reports post each quarter, so its 80/100 reading and 6-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Friendship State Bank is directly comparable to any lender in the country.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Friendship State Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.