Friendship State Bank (FDIC #13130): Bank Stress & Real-Estate Credit Exposure
Friendship State Bank (FDIC Cert #13130): bank stress 80/100, severe, STABLE over 7 days; parent FRIENDSHIP BCORP.
Friendship State Bank (#13130) lends in 6 counties across 1 state; Friendship State Bank (#13130) reaches 43 ZIP codes: Indiana 6 counties, 43 ZIPs.
Friendship State Bank (#13130) largest markets: Franklin County, IN (15 branches, 15 ZIPs) (#13130), Ripley County, IN (28 branches, 14 ZIPs) (#13130), Jefferson County, IN (11 branches, 11 ZIPs) (#13130), Dearborn County, IN (27 branches, 9 ZIPs) (#13130), Switzerland County, IN (9 branches, 9 ZIPs) (#13130), Ohio County, IN (5 branches, 5 ZIPs) (#13130).
Friendship State Bank (#13130) reports $543.8 million in total assets; Friendship State Bank (#13130) equity $41.6 million (7.6% of Friendship State Bank (#13130) assets); Friendship State Bank (#13130) domestic deposits $478.7 million; Friendship State Bank (#13130) net income $2.5 million; Friendship State Bank (#13130) return on assets 0.92%; Friendship State Bank (#13130) return on equity 12.45%; Friendship State Bank (#13130) net interest income $8.7 million; Friendship State Bank (#13130) call report June 30, 2026.
Friendship State Bank (#13130) noncurrent real-estate loans: none reported; Friendship State Bank (#13130) net charge-offs on real estate 0.38%.
Friendship State Bank (#13130) net interest margin 3.41% against an eight-quarter Friendship State Bank (#13130) average of 3.04% (Friendship State Bank (#13130) compression -0.37 points); Friendship State Bank (#13130) rate-exposure score 40/100, Friendship State Bank (#13130) fixed-rate trap 40/100; Friendship State Bank (#13130) risk type credit driven; Friendship State Bank (#13130) rate regime rates elevated, Friendship State Bank (#13130) snapshot October 19, 2026.
Friendship State Bank (#13130) stress score moved from 77.9 on June 22, 2026 to 80.5 on October 19, 2026; Friendship State Bank (#13130) ranged 77.9 to 80.5 over 116 snapshots.
Friendship State Bank (#13130) alerts: 6 counties; top Friendship State Bank (#13130) alert scores: Madison County, IN 45 (moderate); Batesville County, IN 27 (low); Lawrenceburg County, IN 27 (low); Rising Sun County, IN 27 (low); Versailles County, IN 27 (low).