Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Slocomb, AL · FDIC certificate #2828
FRIEND BANK is an FDIC-insured institution based in Slocomb, AL (FDIC certificate #2828). In its Q3 2026 Call Report it reported total assets of $219M, total deposits of $189M and net loans of $145M. Its primary federal regulator is FDIC.
Plain-language readout
FRIEND BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $221M in Q2 2026 and were lowest at $218M in Q1 2026.
Total deposits were highest at $191M in Q2 2026 and lowest at $187M in Q1 2026.
Over the whole period total assets rose 0.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $219M | $189M | $145M | 1.70% | 12.71% | 4.63% |
| Q2 2026 | $221M | $191M | $140M | 1.67% | 12.42% | 4.59% |
| Q1 2026 | $218M | $187M | $137M | 1.40% | 10.42% | 4.46% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $35.5M | $35.8M | -$272K | -0.8% |
| Federal funds sold | $2.0M | $1.9M | +$98K | +5.2% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $36.3M | $35.6M | +$684K | +1.9% |
| Equity securities with readily determinable fair values, not held for trading | $73K | $56K | +$17K | +30.4% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $139.9M | $137.2M | +$2.7M | +2.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.3M | $5.4M | -$90K | -1.7% |
| Other real estate owned | $40K | $40K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.9M | $1.8M | +$95K | +5.3% |
| Total assets | $221.0M | $217.8M | +$3.2M | +1.5% |
| Liabilities | ||||
| Total deposits | $190.9M | $187.4M | +$3.4M | +1.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $789K | $1.4M | -$654K | -45.3% |
| Total liabilities | $191.6M | $188.9M | +$2.8M | +1.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $105K | $105K | $0K | 0.0% |
| Surplus | $10.6M | $10.6M | $0K | 0.0% |
| Retained earnings | $19.3M | $18.8M | +$507K | +2.7% |
| Accumulated other comprehensive income | -$590K | -$537K | -$53K | -9.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $29.4M | $28.9M | +$454K | +1.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $731K | $953K | -$222K | -23.3% |
| Adjusted nonperforming assets | $731K | $614K | +$117K | +19.1% |
| Tangible equity plus allowance | $32.2M | $31.6M | +$547K | +1.7% |
| Texas ratio (gross) | 2.27% | 3.02% | -0.74 pts | See points |
| Texas ratio (adjusted) | 2.27% | 1.94% | +0.33 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.27% | 1.94% | +0.33 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.52% | 13.67% | -0.15 pts | See points |
| Construction and land loans to total capital | 62.06% | 58.17% | +3.89 pts | See points |
| Commercial real estate to total capital | 118.20% | 113.27% | +4.92 pts | See points |
| Dividend payout, year to date | 60.44% | 72.35% | -11.91 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.11% | -1.95% | -0.16 pts | See points |
| Liquidity | ||||
| Core deposits | $174.3M | $169.6M | +$4.7M | +2.8% |
| Non-core funding | $16.6M | $17.9M | -$1.3M | -7.2% |
| Loans to core deposits | 81.88% | 82.51% | -0.64 pts | See points |
| Loans to deposits | 74.76% | 74.64% | +0.12 pts | See points |
| Brokered deposits share of deposits | 0.47% | 0.51% | -0.04 pts | See points |
| Pledged securities share of securities | 48.73% | 37.87% | +10.86 pts | See points |
| Loans pledged, share of loans | 29.42% | 26.43% | +2.99 pts | See points |
| Volatile liabilities | $16.6M | $17.9M | -$1.3M | -7.2% |
| Earnings | ||||
| Earnings before provision, year to date | $1.9M | $827K | +$1.1M | +129.9% |
| Earnings before provision, single quarter | $1.1M | $827K | +$247K | +29.9% |
| Provision for credit losses, year to date | $44K | $27K | +$17K | +63.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.99% | 6.86% | +0.13 pts | See points |
| Yield on interest-bearing balances due from banks | 3.93% | 3.41% | +0.52 pts | See points |
| Total interest income to average assets | 5.76% | 5.61% | +0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 0.75% | 0.73% | +0.02 pts | See points |
| Cost of savings and money market deposits | 1.74% | 1.68% | +0.06 pts | See points |
| Cost of time deposits | 3.32% | 3.40% | -0.08 pts | See points |
| Total interest expense to average assets | 1.34% | 1.36% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $219M | $189M | $145M | 1.70% | 12.71% | 4.63% |
| 2026-06-30 | $221M | $191M | $140M | 1.67% | 12.42% | 4.59% |
| 2026-03-31 | $218M | $187M | $137M | 1.40% | 10.42% | 4.46% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $179.1M | 0.13% | 86 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.