Bank · FDIC insured
Friendship State Bank
A $543.8M bank headquartered in Friendship, IN, with 9 branches in Indiana. Best rates: CDs 3.46% and savings 0.10% APY.
Friendship State Bank Carrot Score
64
Carrot Score
Higher than 10% of U.S. banks and credit unions
#46 of 58 in Cincinnati, OH-KY-IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Friendship State Bank
Founded in 1912 in Friendship, Indiana, The Friendship State Bank is a locally managed bank in its fourth generation of Lemon family leadership.
The bank expanded to seven additional Indiana branch locations and acquired an insurance agency in 2000 to provide banking and insurance services.
- Headquarters
- 5908 E Main Street, Friendship, IN 47021
- FDIC certificate
- 13130 ↗
Branches
9 branches in Indiana
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Indiana
9 branches
Cincinnati area · 4
- Dillsboro Branch12933 Lenover St, Dillsboro, IN 47018Directions
- Bright Branch24571 Stateline Rd, Lawrenceburg, IN 47025Directions
- Lawrenceburg Branch112 Lighthouse Drive, Lawrenceburg, IN 47025Directions
- 401 Main Street Branch401 Main St, Rising Sun, IN 47040Directions
Friendship area · 1
- The Friendship State BankMain office5908 E Main Street, Friendship, IN 47021Directions
Batesville area · 1
- Batesville Branch1362 State Road 46 E, Batesville, IN 47006Directions
Madison area · 1
- Madison Branch201 Demaree Dr, Madison, IN 47250Directions
Versailles area · 1
- Versailles Branch430 West U.S. 50, Versailles, IN 47042Directions
Vevay area · 1
- Vevay Branch221 W Main St, Vevay, IN 47043Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.79% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.37% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.92% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $70 | $81 | — |
- CapitalLeverage ratio8.79%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.37%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.92%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$70Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Friendship State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.