TellerScore

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

Capital cushion85/100
Tier 1 leverage ratio: 13.52%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.48%
Earnings87/100
Return on assets (annualized): 1.67%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 73.3% · 25.4% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.27%

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).

TellerScore
818487Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202485
Q4 202486
Q1 202584
Q2 202585
Q3 202583
Q4 202581
Q1 202682
Q2 202685
Tier 1 leverage ratio
5.00%9.40%13.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.37%
Q3 202413.38%
Q4 202413.37%
Q1 202513.78%
Q2 202513.81%
Q3 202513.81%
Q4 202513.63%
Q1 202613.67%
Q2 202613.52%
Noncurrent loans
0.48%0.64%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.58%
Q3 20240.79%
Q4 20240.72%
Q1 20250.53%
Q2 20250.67%
Q3 20250.77%
Q4 20250.77%
Q1 20260.65%
Q2 20260.48%
Return on assets
1.40%2.94%4.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20244.47%
Q3 20243.50%
Q4 20242.96%
Q1 20251.51%
Q2 20251.69%
Q3 20251.62%
Q4 20251.50%
Q1 20261.40%
Q2 20261.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$221.0M13.52%0.48%1.67%73.3%
Q1 202682$217.8M13.67%0.65%1.40%73.2%
Q4 202581$213.0M13.63%0.77%1.50%74.3%
Q3 202583$213.3M13.81%0.77%1.62%72.7%
Q2 202585$208.2M13.81%0.67%1.69%72.7%
Q1 202584$209.9M13.78%0.53%1.51%70.9%
Q4 202486$204.2M13.37%0.72%2.96%71.1%
Q3 202485$206.9M13.38%0.79%3.50%69.4%
Q2 202487$203.4M13.37%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).

Capital ratio13.52%
79th
Total risk-based capital0.00%
24th
Problem loans0.48%
46th
Net charge-offs-0.12%
98th
Return on assets1.67%
74th
Net interest margin4.59%
83rd
Efficiency ratio63.7%
46th
Loans to deposits73.3%
63rd
Uninsured deposits25.4%
45th
Loan-loss reserves1.93%
93rd
Texas ratio2.3%
55th

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
BankSouthBank Dothan, AL84 out of 100, Strong$221.5M19.1%0.02%vs
Community Spirit BankBank Red Bay, AL77 out of 100, Strong$228.8M9.7%0.00%vs
Union State BankBank Pell City, AL50 out of 100, Below average$212.5M9.6%2.00%vs
The Citizens BankBank Enterprise, AL70 out of 100, Strong$233.3M10.6%0.42%vs
First Cahawba BankBank Selma, AL74 out of 100, Strong$205.7M10.8%0.12%vs
The First National Bank and TrustBank Atmore, AL74 out of 100, Strong$238.6M11.5%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%).

Check how much of your own balance is covered

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)

All branch addresses and map

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
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

InstitutionScoreAssetsCapitalProblem loansCompare
The Samson Banking Company, Inc.Bank Samson, AL94 out of 100, Very strong$124.5M14.8%0.00%vs
BankSouthBank Dothan, AL84 out of 100, Strong$221.5M19.1%0.02%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs
Jackson County 1st Credit UnionCredit union Marianna, FL81 out of 100, Strong$48.9M18.1%0.76%vs
The First National Bank of HartfordBank Hartford, AL75 out of 100, Strong$173.0M12.9%1.19%vs
Peoples Bank of GracevilleBank Graceville, FL75 out of 100, Strong$115.8M10.3%0.34%vs