# FRIEND BANK
SLOCOMB, AL · FDIC certificate 2828 · asset band <$300M · 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 | $221.0M | |
| Deposits | $190.9M | |
| Loans and leases | $142.7M | |
| Total equity | $29.4M | |
| Loans / deposits | 73.31% (p49 of band) | 73.59% |
| Liquid assets / assets | 33.42% (p52 of band) | |
| Uninsured deposits / deposits | 25.39% (p70 of band) | 19.81% |
| Brokered deposits | 0.41% | |
| Wholesale funding | 0.41% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.52% (p67 of band) | 11.76% |
| Unrealized securities loss / equity | -2.40% (p68 of band) | -6.57% |
| AOCI / equity | -1.48% (p19 of band) | |
| ROA (annualized) | 1.67% (p75 of band) | 1.17% |
| Net interest margin | 4.59% (p79 of band) | 3.93% |
| Efficiency ratio | 63.69% (p44 of band) | |
| Noncurrent loans | 0.48% (p55 of band) | 0.36% |
| Net charge-offs (annualized) | -0.08% (p3 of band) | |
| Reserve coverage of noncurrent | 399.42% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 69.13% (p87 of band) | |
| Auto loans | $1.0M (0.70% of loans; DQ 0.50%, NCO 0.00%) | |
| Loans to nondepository financials | $1.0M (3% of equity) (p97 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 53 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 2 | deposits shrinking, assets shrinking |  |
| 2012-09 | 3 | reserve under noncurrent |  |
| 2012-12 | 1 |  | deposits shrinking, assets shrinking |
| 2013-03 | 3 | capital falling, charge-offs p90 |  |
| 2013-06 | 2 |  | reserve under noncurrent |
| 2013-09 | 2 | reserve under noncurrent | capital falling |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 0 |  | charge-offs p90 |
| 2014-06 | 2 | deposits shrinking, assets shrinking |  |
| 2014-09 | 0 |  | deposits shrinking, assets shrinking |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, reserve under noncurrent |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 0 |  | reserve under noncurrent, capital falling |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2017-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | charge-offs p90 |  |
| 2019-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 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 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | uninsured deposits leaving |  |
| 2023-03 | 0 |  | uninsured deposits leaving |
| 2023-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2023-12 | 0 |  | deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-10-09 [Friend Bank celebrates 120 years in the community! - WTVY](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPYjAxZ2xnaWFJeThpOUVoemJ3d1p1NG9ianFHWXZiYzVhWWt2Q29lb0w2b3hBV2FTRzB0NEsxYkNMS1hkRFVsSHpsbG8xRlVRMWJWLWVkUVpMT2UwcG1TUmRacm1ISTJkWmJqcGdvZUtJQWJ2NjNXRDVhTndwYngyX0VucllsOWk5?oc=5) · WTVY
- 2022-11-10 [Expanding Financial Inclusion: Regions Bank Announces ATM Agreement with Community Development Financial Institutions - Regions Bank](https://news.google.com/rss/articles/CBMisgJBVV95cUxOWkZQNmVicDZFU1ltcHpPYXVSQW5JVzNXOUpfOFRrVWJzY3ZjRzQ1UExPX1R4dkhrUFNxZGk3LU90MF9vQmp3ODdtZ2l5NVA3MHRLUDFvOUxGMWdvMG5ELUhsTkQyU2YwWVpwMWdSVzVzQ2t6VUtlMjdTeWJ1OVVBVjQwMG91MG1CalF5V05KNmxwMUx4aVMtWnV0ejdXcjQybG1ocThGTmVET2V3T2gycWh3WHBFQ1lJLVdoWVBqY3dSaDBzWkxpY1dBRHl0dWwzSnlOQzhnTnNoUXlhdW5ZQ3FoOXVMSHhPWEhwckFNSWRQcVNTWGdOMFNpTGdIZ1daRTRyWDFDWEk4TGxSYzRtaERmN08xRHp6OHlfNmNFbGRVbzQ1bXJVWU83dWNlSDQ3Vnc?oc=5) · Regions Bank
- 2022-11-10 [Regions Bank partners with Southern Bancorp, CDFIs on system fees - Talk Business & Politics](https://news.google.com/rss/articles/CBMinwFBVV95cUxNckVLUFhRTDkxTDF0SldGal9ZZTBpRTZaZmpsaHQ0eXFUN0RVX29rNmNSRlN4V3NPM1lsTm05Q0p5N0NVTkMyZVZCeFhMUkxuR201NXBPaWZha1dqX1RwWER6QkZkUkZoY2Q3RjdoMzdrdV9kQ2FOdzlYRDFzNDNwYVJ3Mjk2d01WREgtRTZOeWdWYmdiaXZWdEdFVm5maE0?oc=5) · Talk Business &amp; Politics
- 2021-10-21 [Rising Stars in Alabama banking - Business Alabama Magazine](https://news.google.com/rss/articles/CBMibEFVX3lxTE5YTGNkQkJLUHNxVlZwdXpGV2FCLWlJUFV0RExIUEh4YndWNGo3OVYxekhUTmtBUXFvdkxmcXNYcWZRSDM0WVRVVlllaHNDZi1yXzlSNm5NMUhKUExpOUh6T3JCUmJIYzFhS09NUw?oc=5) · Business Alabama Magazine
- 2022-11-10 [Regions partners to provide ATM access to smaller bank customers - Business Alabama Magazine](https://news.google.com/rss/articles/CBMimAFBVV95cUxNOEhncUNCQktZa21EZHMwNVh4Q21iSlRsZkNnTnU2cnhweVA2X21HQk1PeXZLV2xnR1Q5RU1nWHhVcnRIQkxMSmlISkFTX1J2Z3JXUHlZZVhRUWNjTE11Z0ktZnF6TDVxZHRLd3JFbkMwZTdOUm14bkxZTWFuMkl0cDc4MmZZWVd6MzZsU01RdWpUN2x0QklCdg?oc=5) · Business Alabama Magazine
- 2025-09-09 [04:33 AM Legislative Delegation Obtains Funding For Industrial Park - Rickey Stokes News](https://news.google.com/rss/articles/CBMinAFBVV95cUxOcE5oSHJGZjBuZEVjdm9mbGoybEdmdy1Da1ZISmRIVVdHV1htZm1fNXgwR2JzMDdSdmNBQW9maUpkaVRtQk5OMVdocHIyZTczaXVhbGZHc1JNSmU4Y0dvZTN4ZXVaRFRaVUt4anBuQWpIYmtQeXlDZmVZOUJ1U1ZWMGNpazlRZGpDY1V1RWFYQW1tSHFENWQ4bE9ndXU?oc=5) · Rickey Stokes News
- 2020-02-20 [He leveraged everything an Iowa farm couple had — and then he died - The Des Moines Register](https://news.google.com/rss/articles/CBMiygFBVV95cUxNM2o3Qzg3MWpvVHdranF3U3hRRklyUHQzQzhMaGF2OG9xZnpoeU1QSTlULThjUlN1YzB4ZElQS3h4bjl0OVVPQ3FKQ1pnZ3kyN2lRaUZ1U1NnYlZoZzJKVk9lY2xGdExKOEFvMy1xMzM1WUVWY2ZTRWxXT09Sa2tYZ2VfbnJ2dUlSV3NvcnM4WHZ1M0ZuZXpsakpIekpyU3dhUkhVMU5ERUhSaVdCN2xIWnlhVmRUQjY5aUlRZmtTR2ZxOHhYd3FfbS1n?oc=5) · The Des Moines Register
- 2017-10-06 [Marjorie Harris Obituary (2017) - Dothan, AL - Dothan Eagle - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPRWxvTHRGZE9fdEpkM08wSng5Smp0SkMyc1dEMHdVU3lRdmhUS3h5WjdlOGdCRGVaLW53ODREbkZSVzdrRFppbExZeXpWRUVOZW9vdGRWTDQydFRBTHlJNmNxcmd3WVBERVdhVGo4a2VZdDJMVExOVzA2LS1IRlQwS3BkZ0hnM2QtUHRDOElEZ0JoUllu?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2828 (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/12.json (key "2828", 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