Friend Bank: how it compares with its peers
Against 45 AL banks with half to twice its assets, Friend Bank's strongest measure in Q2 2026 is return on assets (1.67% vs. a 1.08% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $5.6M).
| Measure | Friend Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.67% | 1.08% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.59% | 3.88% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.69% | 66.72% | Middle third Ahead of 62% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $5.6M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.31% | 62.89% | Context |
What it means for lending operations
Its efficiency ratio of 63.69% is better than the 66.72% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- BankSouth Dothan, AL · $221M
- Community Spirit Bank Red Bay, AL · $229M
- Union State Bank Pell City, AL · $212M
- The Citizens Bank Enterprise, AL · $233M
- First Cahawba Bank Selma, AL · $206M
- The First National Bank and Trust Atmore, AL · $239M
Questions about Friend Bank
How big is Friend Bank?
Friend Bank, established in 1905, is headquartered in Slocomb, AL. It reported $221M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Friend Bank's return on assets?
1.67% annualized in Q2 2026, against a 1.08% median for 45 AL banks with half to twice its assets, ahead of 91% of them.
What is Friend Bank's efficiency ratio?
63.69% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 66.72%, and lower is better.
Is Friend Bank growing its loans?
Net loans grew 7.5% over the year to Q2 2026, while deposits grew 6.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.