Friend Bank (FDIC #2828): Bank Stress & Real-Estate Credit Exposure

Friend Bank (FDIC Cert #2828): bank stress 46/100, moderate, STABLE over 7 days; parent SNB HOLDINGS INC.

Friend Bank (#2828) lends in 3 counties across 1 state; Friend Bank (#2828) reaches 33 ZIP codes: Alabama 3 counties, 33 ZIPs.

Friend Bank (#2828) largest markets: Dale County, AL (14 branches, 14 ZIPs) (#2828), Geneva County, AL (42 branches, 14 ZIPs) (#2828), Houston County, AL (14 branches, 14 ZIPs) (#2828).

Friend Bank (#2828) reports $221.0 million in total assets; Friend Bank (#2828) equity $29.4 million (13.3% of Friend Bank (#2828) assets); Friend Bank (#2828) domestic deposits $190.9 million; Friend Bank (#2828) net income $1.8 million; Friend Bank (#2828) return on assets 1.67%; Friend Bank (#2828) return on equity 12.42%; Friend Bank (#2828) net interest income $4.7 million; Friend Bank (#2828) call report June 30, 2026.

Friend Bank (#2828) noncurrent real-estate loans: none reported; Friend Bank (#2828) residential -0.03%; Friend Bank (#2828) net charge-offs on real estate 0.36%.

Friend Bank (#2828) net interest margin 4.59% against an eight-quarter Friend Bank (#2828) average of 4.52% (Friend Bank (#2828) compression -0.07 points); Friend Bank (#2828) rate-exposure score 40/100, Friend Bank (#2828) fixed-rate trap 40/100; Friend Bank (#2828) risk type credit driven; Friend Bank (#2828) rate regime rates elevated, Friend Bank (#2828) snapshot October 20, 2026.

Friend Bank (#2828) stress score moved from 49.4 on June 22, 2026 to 45.6 on October 20, 2026; Friend Bank (#2828) ranged 45.6 to 49.4 over 117 snapshots.

Friend Bank (#2828) alerts: 3 counties; top Friend Bank (#2828) alert scores: Dothan County, AL 18 (low); Newton County, AL 18 (low); Slocomb County, AL 18 (low).