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Family Bank

Pelham, GA · Cert 29357

State savings bank · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

78

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

53

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Family Bank

Pelham, GA · Cert 29357

State savings bank · OCC · 3 branches

Q2 2026

$162.0MAssets
$142.6MLoans
$138.3MDeposits
$22.8MEquity
Loan mix
84%RE $116.0M8%C&I $10.5M9%Consumer $12.2MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $108.9M21%Noninterest $29.4MQ2 2025Q2 2026

NIM

6.04%Q2 ’246.62%Q2 ’256.56%Q2 ’26+17%+2%

Non-interest income vs. expense

3.13%Q2 ’243.45%Q2 ’253.37%Q2 ’26+11%-3%

Executive Summary

  • Earnings: ROA of 1.38%, down 2 bps year over year; NIM at 4.88%.
  • Asset quality: problem loans at 2.21% of loans (+70 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 14.13%, up 44 bps from a year ago.
  • Funding: loans stand at 103.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%-2 bps YoY

Net Interest Margin (YTD, annualized)

4.88%+10 bps YoY

Efficiency Ratio (YTD, annualized)

60.03%-262 bps YoY

Tier 1 Leverage Ratio

14.13%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.36%1.38%1.64%1.38%-2 bps
Return on Equity10.47%10.07%10.20%11.74%9.85%-62 bps
Net Interest Margin4.78%4.85%4.84%5.06%4.88%+10 bps
Efficiency Ratio62.65%62.51%61.23%56.00%60.03%-262 bps
Non-Interest Burden2.72%2.75%2.68%2.50%2.64%-9 bps
Growth
Asset Growth (YoY)3.61%-0.05%4.97%6.27%5.45%+184 bps
Loan Growth (YoY)8.89%11.38%12.27%14.69%10.89%+200 bps
Deposit Growth (YoY)6.42%2.02%4.00%5.26%4.58%-184 bps
Asset Quality
Nonperforming Loans / Loans1.51%1.41%1.36%1.99%2.21%+70 bps
Net Charge-Offs / Loans0.00%0.00%0.02%0.01%0.10%+11 bps
Allowance / Loans1.64%1.71%1.77%1.84%1.87%+23 bps
Allowance Coverage of NPLs1.1x1.2x1.3x0.9x0.8x-0.2x
Capital
Tier 1 Leverage Ratio13.69%13.92%14.00%14.19%14.13%+44 bps
Total Risk-Based Capital22.92%22.67%23.21%23.22%23.17%+25 bps
Equity / Assets13.41%13.82%13.94%14.00%14.04%+63 bps
Liquidity & Funding
Loans / Deposits97.25%101.89%102.39%102.79%103.11%+586 bps
Liquid Assets / Assets13.03%9.19%8.96%9.03%8.66%-437 bps
CRE / Total Capitaln/a88.27%85.94%80.93%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Family Bank

Pelham, GA · Cert 29357 · Peer group: banks under $1B in assets in GA (n=58-59)

State savings bank · OCC · 3 branches

Q2 2026

$162.0MAssets
$142.6MLoans
$138.3MDeposits
$22.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 83% of banks under $1B in assets in GA (rank 10 of 59).
  • Widest gap: nonperforming loans / loans trails 91% of banks under $1B in assets in GA (rank 54 of 58).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.35%

Rank 35 of 59

Net Interest Margin

4.88%

Rank 10 of 59

Efficiency Ratio

60.03%

Rank 29 of 59

Equity / Assets

14.04%

Rank 16 of 59

Non-interest income vs. expense

$1.2M$5.4MINCOMEEXPENSE
Unfavorable gap of $4.2M · efficiency ratio beats 53% of banks under $1B in assets in GA
Bank 60.03%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.35%0.94%1.46%1.76%Beats 41%35 / 59
Return on Equity9.63%7.92%11.60%15.10%Beats 34%39 / 59
Net Interest Margin4.88%3.66%4.24%4.75%Beats 83%10 / 59
Efficiency Ratio60.03%51.87%60.25%70.24%Beats 53%29 / 59
Asset Quality
Nonperforming Loans / Loans2.21%0.10%0.36%0.89%Beats 9%54 / 58
Net Charge-Offs / Loans0.06%0.00%0.02%0.05%Beats 21%47 / 58
Capital
Tier 1 Capital Ratio21.90%11.93%15.65%21.05%Beats 80%12 / 59
Total Risk-Based Capital Ratio23.17%12.05%15.77%22.26%Beats 81%11 / 59
Equity / Assets14.04%9.10%11.51%14.32%Beats 73%16 / 59
Liquidity & Funding
Loans / Deposits103.11%59.62%72.81%85.44%97th pctl2 / 58
Loans / Assets88.02%49.55%64.39%73.73%98th pctl1 / 59
Brokered Deposits / Depositsn/aNot reported for this institution