TellerScore

The Friendship State Bank (FDIC certificate #13130) is based in Friendship, Indiana. Its Q2 2026 call report shows $543.8M in total assets and $478.7M in deposits and 9 offices.

Based on its Q2 2026 filing, The Friendship State Bank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 47th. Its strongest component is problem-loan coverage (95/100; 2.7%), and its lowest is capital cushion (38/100; 8.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.79%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.37%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity79/100
Loans ÷ deposits and uninsured-deposit share: 69.2% · 26.1% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.75%

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

From Q2 2025 to Q2 2026, the score rose 2 points (64 → 66), mostly because the earnings component improved by 13 points.

TellerScore
626567Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202465
Q4 202466
Q1 202565
Q2 202564
Q3 202565
Q4 202562
Q1 202667
Q2 202666
Tier 1 leverage ratio
5.00%6.90%8.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.69%
Q3 20248.63%
Q4 20248.60%
Q1 20258.55%
Q2 20258.42%
Q3 20258.42%
Q4 20258.47%
Q1 20268.58%
Q2 20268.79%
Noncurrent loans
0.00%0.23%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.17%
Q4 20240.10%
Q1 20250.12%
Q2 20250.22%
Q3 20250.11%
Q4 20250.47%
Q1 20260.36%
Q2 20260.37%
Return on assets
0.55%0.80%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.55%
Q3 20240.59%
Q4 20240.62%
Q1 20250.55%
Q2 20250.60%
Q3 20250.64%
Q4 20250.69%
Q1 20261.05%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$543.8M8.79%0.37%0.92%69.2%
Q1 202667$559.8M8.58%0.36%1.05%68.0%
Q4 202562$554.7M8.47%0.47%0.69%68.0%
Q3 202565$549.9M8.42%0.11%0.64%67.5%
Q2 202564$543.9M8.42%0.22%0.60%68.3%
Q1 202565$543.7M8.55%0.12%0.55%67.6%
Q4 202466$540.6M8.60%0.10%0.62%65.6%
Q3 202465$538.9M8.63%0.17%0.59%63.4%
Q2 202467$537.1M8.69%0.00%0.55%60.3%

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 ratio8.79%
9th
Total risk-based capital16.62%
76th
Problem loans0.37%
52nd
Net charge-offs0.02%
37th
Return on assets0.92%
29th
Net interest margin3.41%
24th
Efficiency ratio74.7%
21st
Loans to deposits69.2%
70th
Uninsured deposits26.1%
42nd
Loan-loss reserves1.00%
27th
Texas ratio2.7%
50th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Community State BankBank Avilla, IN63 out of 100, Moderate$553.6M9.5%0.48%vs
First Federal Savings BankBank Huntington, IN54 out of 100, Below average$553.6M10.5%1.88%vs
First Federal Savings BankBank Evansville, IN61 out of 100, Moderate$575.6M9.5%0.24%vs
The Peoples State BankBank Ellettsville, IN78 out of 100, Strong$506.6M10.5%0.19%vs
Freedom BankBank Huntingburg, IN82 out of 100, Strong$585.7M12.6%0.23%vs
The Napoleon State BankBank Napoleon, IN70 out of 100, Strong$499.2M11.1%1.10%vs

Deposit insurance

Is my money safe at The Friendship State Bank?

Yes. The Friendship State Bank is an FDIC-insured institution (FDIC certificate #13130). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.1% of deposits ($125.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.79%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.62% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

The Friendship State Bank lists 9 offices in 8 cities. Most locations:

  • Lawrenceburg, IN (2)
  • Batesville, IN (1)
  • Dillsboro, IN (1)
  • Friendship, IN (1)
  • Madison, IN (1)
  • Rising Sun, IN (1)
  • Versailles, IN (1)
  • Vevay, IN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Friendship State Bank reported 280 home-loan applications under HMDA (LEI 254900803AYZRNV49618): 210 originated ($34,350,000 total), 40 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.4%, 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
The Friendship State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
13130
RSSD ID
427241
Primary regulator
FED
Holding company
Friendship Bcorp
Established
October 26, 1912
Headquarters
5908 E Main Street, Friendship, IN 47021
Employees
117

Quick answers

The Friendship State Bank: common questions

Is The Friendship State Bank FDIC insured?

Yes. The Friendship State Bank is an FDIC-insured institution (FDIC certificate #13130). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Friendship State Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Friendship State Bank ever failed?

There is no failure record for FDIC certificate #13130 in the FDIC failed bank list.

How many branches does The Friendship State Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Friendship

InstitutionScoreAssetsCapitalProblem loansCompare
Business and Industrial Federal Credit UnionCredit union Columbus, IN91 out of 100, Very strong$44.9M18.0%0.24%vs
The Harrison Building and Loan AssociationBank Harrison, OH86 out of 100, Very strong$268.0M17.6%0.39%vs
The Cincinnatus Savings & Loan Co.Bank Cincinnati, OH84 out of 100, Strong$193.1M15.3%0.26%vs
Miami Savings BankBank Miamitown, OH83 out of 100, Strong$148.3M23.2%0.43%vs
Presidents Federal Credit UnionCredit union Cleves, OH80 out of 100, Strong$15.1M13.7%0.71%vs
Clifty Creek Employees Federal Credit UnionCredit union Madison, IN79 out of 100, Strong$16.3M16.9%0.00%vs