At a glance
From its website, read 2 Nov 2026SNB Holdings, Inc. is a bank holding company based in Slocomb, Alabama. Its website describes farm loans, auto loans, commercial real estate loans and 4 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | friendbank.net |
| Office (official list) | Post Office Box 640, Slocomb, AL 36375 |
What their website says about applying
If you would like to complete an application in advance, please print the application linked below and bring it to your Friend office.
sourceEasy Online Application
sourceSpeak to your Friend banker about our full range of business lending products.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 2848653 |
| Address | Post Office Box 640, Slocomb, AL 36375 Directions to the main office (Google Maps) |
| Website | friendbank.net |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No loan amounts, service area, or borrower eligibility statements appear on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | we are committed to the farmers of our community. | source |
| Auto / vehicle loans | — | Need a ride? We can take you there with our automobile loan. | source |
| Commercial real estate loans | — | Our Friend Bankers have years of experience in owner-occupied and investment property. | source |
| Home mortgages | — | Whether you're purchasing a home or thinking about refinancing, we'll help you find the loan that best fits your needs. | source |
| Personal / consumer loans | — | Friend offers fixed-rate and variable-rate loans with a variety of rates and terms to best fit your needs. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | As an approved SBA Express Lender, Friend Bank can offer favorable terms to eligible small businesses through the 7(a), 504, and SBA Express programs. | source |
| Small-business loans | — | We are committed to promoting and enhancing the prosperity of our small business customers through a variety of lending solutions. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Easy Online Application
source
Pages read (7)
- https://www.friendbank.net/
- https://www.friendbank.net/business-friend/loan-products
- https://www.friendbank.net/family-friend/loan-products/home-mortgage
- https://www.friendbank.net/family-friend/loan-products/personal-loans
- https://www.friendbank.net/family-friend/deposit-products
- https://www.friendbank.net/business-friend/deposit-services
- https://www.friendbank.net/business-friend/other-products-services
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.7 million in 5 awards from the U.S. Treasury's CDFI Fund, 2019–2024 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Program, Financial Assistance | $425,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | CDFI Program, Financial Assistance | $475,000 |
| 2019 | CDFI Program, Financial Assistance | $424,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $27.4 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: Friend Bank (FDIC cert 2828, total assets $221 million). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $221 million (as of 30 Jun 2026) |
|---|---|
| Offices | 5 (as of 30 Oct 2026) |
Offices by state and county (5)
Alabama (5 offices)
- Dale County (1): 465 S College St, Newton 36352
- Geneva County (3): 220 E Lawrence Harris Hwy, Slocomb 36375 (main office); 1242 Magolia Ave, Geneva 36340; 307 W Main St, Hartford 36344
- Houston County (1): 3105 Ross Clark Cir, Dothan 36303
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Friend Bank (RSSD 244037, FDIC cert 2828), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $142.7 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 7.5% from $132.7 million on 30 Jun 2025 |
| Total assets | $221 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $53 million | 37.1% |
| Home equity lines of credit | $1.1 million | 0.8% |
| Commercial real estate, construction and multifamily | $61.6 million | 43.2% |
| Commercial and industrial (business) loans | $10.2 million | 7.1% |
| Farmland and farm production loans | $8.9 million | 6.3% |
| Consumer loans (credit cards, auto, other) | $3.3 million | 2.3% |
| All other loans and leases | $4.6 million | 3.2% |
Within consumer loans: auto loans $1 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 26 loans $1.3 million | 148 loans $3.4 million |
| $100,001 to $250,000 | 28 loans $3.9 million | 16 loans $1.3 million |
| $250,001 to $1 million | 40 loans $14 million | 7 loans $1.8 million |
| All small business loans | 94 loans $19.3 million | 171 loans $6.6 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 17 loans $706,000 | 41 loans $1 million |
| $100,001 to $250,000 | 9 loans $1.1 million | 9 loans $741,000 |
| $250,001 to $500,000 | 7 loans $1.7 million | 2 loans $531,000 |
| All small farm loans | 33 loans $3.6 million | 52 loans $2.3 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists SNB Holdings, Inc. as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- Friend Bank: 68 originated home loans
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $221 million | Larger than 42% of the 26 other certified banks and bank holding companies in Alabama (median $238.6 million). |
| Loans as a share of assets | 65% | Median of the same 26 banks and bank holding companies: 54%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $132.7 million → $142.7 million (+7%) | Median change of 26 other certified banks and bank holding companies in Alabama: +6%. Rank by loans held among these 27: 15 → 15. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Alabama | 26 | larger than 42% |
| Loans held then vs now | certified banks and bank holding companies in Alabama reporting both dates | 26 | rank 15 → 15 of 27 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Friend Bank is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Slocomb and Alabama
- Friend BankBank or thrift · Slocomb, ALAuto / vehicle loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- AOD Federal Credit UnionCredit union · Bynum, ALAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Personal / consumer loans…Verified
- Bank of VernonBank or thrift · Vernon, ALAuto / vehicle loans, Small-dollar / emergency loans, Equipment loans, Home mortgages…Verified
- CNB Bancorp Inc.Bank holding company · Mobile, ALCommercial real estate loans, Equipment loans, Home mortgages, Personal / consumer loans…Verified
- Commercial Bancshares of Ozark, Inc.Bank holding company · Ozark, ALAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Commercial Bank of Ozark, TheBank or thrift · Ozark, ALAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
Work at SNB Holdings, Inc.? Link to this page
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