Headquartered in Slocomb, Alabama, Friend Bank is a state-chartered bank with $221.0M in total assets and $190.9M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1905.
Based on its Q2 2026 filing, Friend Bank scores 85/100, which we describe as very strong. That is higher than 88% of 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 12th. Its strongest component is problem-loan coverage (95/100; 2.3%), and its lowest is funding & liquidity (75/100; 73% loans-to-deposits, 25% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 85).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 85 |
| Q4 2024 | 86 |
| Q1 2025 | 84 |
| Q2 2025 | 85 |
| Q3 2025 | 83 |
| Q4 2025 | 81 |
| Q1 2026 | 82 |
| Q2 2026 | 85 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.37% |
| Q3 2024 | 13.38% |
| Q4 2024 | 13.37% |
| Q1 2025 | 13.78% |
| Q2 2025 | 13.81% |
| Q3 2025 | 13.81% |
| Q4 2025 | 13.63% |
| Q1 2026 | 13.67% |
| Q2 2026 | 13.52% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.79% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.48% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 4.47% |
| Q3 2024 | 3.50% |
| Q4 2024 | 2.96% |
| Q1 2025 | 1.51% |
| Q2 2025 | 1.69% |
| Q3 2025 | 1.62% |
| Q4 2025 | 1.50% |
| Q1 2026 | 1.40% |
| Q2 2026 | 1.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $221.0M | 13.52% | 0.48% | 1.67% | 73.3% |
| Q1 2026 | 82 | $217.8M | 13.67% | 0.65% | 1.40% | 73.2% |
| Q4 2025 | 81 | $213.0M | 13.63% | 0.77% | 1.50% | 74.3% |
| Q3 2025 | 83 | $213.3M | 13.81% | 0.77% | 1.62% | 72.7% |
| Q2 2025 | 85 | $208.2M | 13.81% | 0.67% | 1.69% | 72.7% |
| Q1 2025 | 84 | $209.9M | 13.78% | 0.53% | 1.51% | 70.9% |
| Q4 2024 | 86 | $204.2M | 13.37% | 0.72% | 2.96% | 71.1% |
| Q3 2024 | 85 | $206.9M | 13.38% | 0.79% | 3.50% | 69.4% |
| Q2 2024 | 87 | $203.4M | 13.37% | 0.58% | 4.47% | 70.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| BankSouthBank Dothan, AL | 84 out of 100, Strong | $221.5M | 19.1% | 0.02% | vs |
| Community Spirit BankBank Red Bay, AL | 77 out of 100, Strong | $228.8M | 9.7% | 0.00% | vs |
| Union State BankBank Pell City, AL | 50 out of 100, Below average | $212.5M | 9.6% | 2.00% | vs |
| The Citizens BankBank Enterprise, AL | 70 out of 100, Strong | $233.3M | 10.6% | 0.42% | vs |
| First Cahawba BankBank Selma, AL | 74 out of 100, Strong | $205.7M | 10.8% | 0.12% | vs |
| The First National Bank and TrustBank Atmore, AL | 74 out of 100, Strong | $238.6M | 11.5% | 0.10% | vs |
Deposit insurance
Is my money safe at Friend Bank?
Yes. Friend Bank is an FDIC-insured institution (FDIC certificate #2828). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.4% of deposits ($48.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Friend Bank lists 5 offices in 5 cities. Most locations:
- Dothan, AL (1)
- Geneva, AL (1)
- Hartford, AL (1)
- Newton, AL (1)
- Slocomb, AL (1)
HMDA 2025
Mortgage lending
In 2025, Friend Bank reported 76 home-loan applications under HMDA (LEI 54930033V1OQ5VFHI630): 68 originated ($12,710,000 total), 5 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Friend Bank
- Former names
- The Slocomb National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 2828
- RSSD ID
- 244037
- Primary regulator
- FDIC
- Holding company
- Snb Holdings Inc
- Established
- October 1, 1905
- Headquarters
- 220 E Lawrence Harris Hwy, Slocomb, AL 36375
- Website
- www.friendbank.net
- Employees
- 53
Quick answers
Friend Bank: common questions
Is Friend Bank FDIC insured?
Yes. Friend Bank is an FDIC-insured institution (FDIC certificate #2828). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Friend Bank's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Friend Bank ever failed?
There is no failure record for FDIC certificate #2828 in the FDIC failed bank list.
How many branches does Friend Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Slocomb
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Samson Banking Company, Inc.Bank Samson, AL | 94 out of 100, Very strong | $124.5M | 14.8% | 0.00% | vs |
| BankSouthBank Dothan, AL | 84 out of 100, Strong | $221.5M | 19.1% | 0.02% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| Jackson County 1st Credit UnionCredit union Marianna, FL | 81 out of 100, Strong | $48.9M | 18.1% | 0.76% | vs |
| The First National Bank of HartfordBank Hartford, AL | 75 out of 100, Strong | $173.0M | 12.9% | 1.19% | vs |
| Peoples Bank of GracevilleBank Graceville, FL | 75 out of 100, Strong | $115.8M | 10.3% | 0.34% | vs |