BlastPoint's Banking Scorecard
The Friendship State Bank
Community
Specialty: Other
IN
FDIC cert 13130
Friendship, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
The Friendship State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 37% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$554.7M
+2.6% YoY
+0.9% QoQ
|
-$836.8M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$323.1M
+4.8% YoY
+1.3% QoQ
|
-$652.4M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$474.8M
+0.9% YoY
+0.4% QoQ
|
-$689.9M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.69%
+11.9% YoY
+8.9% QoQ
|
-0.47% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.12%
+11.5% YoY
+2.2% QoQ
|
-0.54% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
79.39%
-1.5% YoY
-2.2% QoQ
|
+16.76% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.47%
+385.1% YoY
+306.9% QoQ
|
-0.16% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
68.05%
+3.8% YoY
+0.9% QoQ
|
-15.01% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
14.31%
-2.2% YoY
-2.4% QoQ
|
-6.73% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.27%
+395.4% YoY
+308.6% QoQ
|
-0.22% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
15.10%
-0.5% YoY
+0.4% QoQ
|
+4.86% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
1.19%
+0.7% YoY
+34.7% QoQ
|
+0.45% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#238 of 642 · Bottom 37% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Non-Interest Income / Assets
Current: 1.19% · Tier avg: 0.74%
83
83th pctile
Loan-to-Deposit Ratio
Current: 68.05% · Tier avg: 83.06%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.10% · Tier avg: 10.24%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
48
48th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.31% · Tier avg: 21.05%
22
22th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.66%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
11
11th pctile
Efficiency Ratio
Current: 79.39% · Tier avg: 62.63%
9
9th pctile
Total Deposits
Current: $474.8M · Tier avg: $1.2B
8
8th pctile
Total Assets
Current: $554.7M · Tier avg: $1.4B
6
6th pctile
Total Loans
Current: $323.1M · Tier avg: $975.5M
Top Weaknesses
6
6th pctile
Total Loans
Current: $323.1M · Tier avg: $975.5M
8
8th pctile
Total Assets
Current: $554.7M · Tier avg: $1.4B
9
9th pctile
Total Deposits
Current: $474.8M · Tier avg: $1.2B
11
11th pctile
Efficiency Ratio
Current: 79.39% · Tier avg: 62.63%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
22
22th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.66%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.31% · Tier avg: 21.05%
48
48th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.10% · Tier avg: 10.24%
83
83th pctile
Loan-to-Deposit Ratio
Current: 68.05% · Tier avg: 83.06%
90
90th pctile
Non-Interest Income / Assets
Current: 1.19% · Tier avg: 0.74%