# FRIENDSHIP STATE BANK
FRIENDSHIP, IN · FDIC certificate 13130 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $543.8M | |
| Deposits | $478.7M | |
| Loans and leases | $334.6M | |
| Total equity | $41.6M | |
| Loans / deposits | 69.20% (p24 of band) | 82.04% |
| Liquid assets / assets | 32.88% (p71 of band) | |
| Uninsured deposits / deposits | 26.12% (p51 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.74% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.79% (p10 of band) | 10.81% |
| Unrealized securities loss / equity | -28.75% (p14 of band) | -8.10% |
| AOCI / equity | 0.01% (p80 of band) | |
| ROA (annualized) | 0.92% (p27 of band) | 1.28% |
| Net interest margin | 3.41% (p24 of band) | 3.91% |
| Efficiency ratio | 74.66% (p82 of band) | |
| Noncurrent loans | 0.37% (p46 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p60 of band) | |
| Reserve coverage of noncurrent | 272.26% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 62.94% (p67 of band) | |
| Auto loans | $4.6M (1.39% of loans; DQ 2.07%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 117 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | securities losses >30% of equity |  |
| 2022-06 | 3 | AOCI drag >20% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 | uninsured deposits leaving |  |
| 2023-09 | 2 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2025-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2025-12 | 0 |  | securities losses >30% of equity, capital falling |
| 2026-03 | 1 | securities losses >30% of equity |  |
| 2026-06 | 0 |  | securities losses >30% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-05 [Friendship State Bank Scholarship Applications Due April 5 - Eagle Country 99.3](https://news.google.com/rss/articles/CBMisAFBVV95cUxNcURlUTYydTVIbGRTYUFERWVNOXlTejJ2NjFoNzNta3g3b1JIVU83MVMweDNwUTk5Wkhoai0zMkNqRzEwc21ZSTRhd09IRnZmcE55NnJkSG5wOTJXcG1taWt5OGhUcGEyM3R4cmp2dG5SWjRseGwzWEJ5Xy13MzNLcW9RUFlMZ05RdEdhb2REcWJhVWQ3clh4UC14WnhyblpaMW5zU3JXZWFlRzVQZE1MdA?oc=5) · Eagle Country 99.3
- 2026-03-23 [Dearborn Co. Chamber Business Breakfast Set for April 30 - Eagle Country 99.3](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOVGRDWDhxU3NkWkFXWHYxWWlUR0tnYVFvU0hnb3V4ZjFpTUdpSWJFdkVtdDFKRXVxYzlqQkI4QmJnZHJDWTlPdlpoazVYTjBDaVlERm82UUxyZ1ZMSm5EdEF0SV85NHZDVXNYanpDU095M3NYZDM3STlzdURBN0pJbFIydUZjUWt6TkpFckdUNkNuMGhjUzYta1lDRWQ0ZVlmdUd1Y3pvZWt6Y3M?oc=5) · Eagle Country 99.3
- 2019-07-17 [Construction Underway For New Friendship State Bank On Demaree Drive - 95.3 WIKI](https://news.google.com/rss/articles/CBMirgFBVV95cUxOeC1OZERfNFdRNkkwOXF3Znh3MjZaUTE3QWlmRzdBSWxhRHVwV2pHT3FCY24yaDA2ck4wUFV6cUs2ZWZfVmQ4UWNyQ1ZMdUFQYzlnWFJkR1pzNm9ianRkQUpXYkpKSFhlTHJwd1BvdHFTdmVFMVVwbHRDQ2NvekRBRnJ2cURDMWVwTUdDY3BrbTA3Vmt6RjVrVjB6N1Y4dHlfVk1SUjYxbWhSNllhU1E?oc=5) · 95.3 WIKI
- 2022-12-28 [Tracy Lemon Retires From Friendship State Bank - 95.3 WIKI](https://news.google.com/rss/articles/CBMikAFBVV95cUxOMHRsQm9rdGR1aDc5VDNVNDVqa2xIdXY1LVNTWlhjaXN2dWp6UzB6SjgyTzVwcS05YWhzeUFBVWtxVEhiV2pISFZLdzJzMExWNGtZMkZTNFFsNWM2ZlItOWFNNTNnRG1yYVNzYTFYcVhyMWFCd3ZFTW9ZVUljLXlkQmg5THk1UnV3SXEwUmlhRzk?oc=5) · 95.3 WIKI
- 2024-06-04 [Friendship State Bank Breaks Ground on Branch in Bright - Eagle Country 99.3](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPS2o1VVJ4bTJQYm00MktQS19PU3NmTmoxdlRsek9lazdlVkN2VVBjaUlyMGJlUWJiQ01PQ243V2ZEUW1QYUEyQmRwU0dhVWtJWkFKNThKY0pLZTN5Uy1kUHBObTBIaFhoTTFoZHVRRlRpaUhWQmdOUVJscjhYVkgxWno5VVNKeXpnemU0Q0tjMFVnLXpoSHNwdXJtNXVYMWlILUl6bHRoNC1vTEE?oc=5) · Eagle Country 99.3
- 2025-01-29 [Friendship State Bank Opens Newest Branch in Bright - Eagle Country 99.3](https://news.google.com/rss/articles/CBMipgFBVV95cUxPdkFPdWxJbHByWWRLbUhEbEVFdjJZSWxUNmh3VmFCTk1weU1Dblg0X3J2RnI1MFpER3lzSllvWjAxY3FfT0cyVGZiWVRkejJ2WWxfck1MY3BiUk85d1FBdVl1MW5uRTMzd2xDRjRieEdtM0VLbXBtOVBXWVhVLUo3anF1eHhlQUozWERhY25idjdZVHhUNFN1ZU16Y3ZyblhtNmtvb2h3?oc=5) · Eagle Country 99.3
- 2021-02-24 [Friendship State Bank Offering Scholarship Opportunity To 2021 Seniors - 95.3 WIKI](https://news.google.com/rss/articles/CBMisAFBVV95cUxNR051UXR5VzVRRUN6VE5IRERadkJFdTFnbkViODJ5dFk1MnhHalh5VUt1U3kxdjlpc3JOZURmNFMxTHBwbzlZSjlXVEc2ak9yYlJZMkpBNkFFeVU2NFdRd2Y5aTlkcXZDS0pxM2lmOHBOZ0J5TnFCM0JWTWtma1NNQUdGWE5hWTh2RkFCV2ZZZTc2aTFXR05tVE1GNnpLOGlFSGZGQWtNWU50VU5MeGljaA?oc=5) · 95.3 WIKI
- 2025-01-13 [VIDEO: First Look at Friendship State Bank's Bright Branch - Eagle Country 99.3](https://news.google.com/rss/articles/CBMirAFBVV95cUxQUjJZTW9tN2xUVENTUURaYlc5TXVaUHFHTDBibHh5V0FodWpsUUNKMldURVNkZTl6RFNBM2N6SlNoR005WnlQZlZpSF9qTXQwY0hzbm11RmVESV9OeGVwM2hITF9OVzgzWkphMlkzTENTWXQ3NWdCRkVwYi04b2ppSDcxSWZRd3YtRHh0TUh1cElNYjNwalk4VTJkaUhYU08yZU9MMnZ2ZXZldHZG?oc=5) · Eagle Country 99.3

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13130 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "13130", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide