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
Unfavorable gap of $4.2M · efficiency ratio beats 53% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.94% | 1.46% | 1.76% | Beats 41% | 35 / 59 | |
| Return on Equity | 9.63% | 7.92% | 11.60% | 15.10% | Beats 34% | 39 / 59 | |
| Net Interest Margin | 4.88% | 3.66% | 4.24% | 4.75% | Beats 83% | 10 / 59 | |
| Efficiency Ratio | 60.03% | 51.87% | 60.25% | 70.24% | Beats 53% | 29 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.21% | 0.10% | 0.36% | 0.89% | Beats 9% | 54 / 58 | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.02% | 0.05% | Beats 21% | 47 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 21.90% | 11.93% | 15.65% | 21.05% | Beats 80% | 12 / 59 | |
| Total Risk-Based Capital Ratio | 23.17% | 12.05% | 15.77% | 22.26% | Beats 81% | 11 / 59 | |
| Equity / Assets | 14.04% | 9.10% | 11.51% | 14.32% | Beats 73% | 16 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 103.11% | 59.62% | 72.81% | 85.44% | 97th pctl | 2 / 58 | |
| Loans / Assets | 88.02% | 49.55% | 64.39% | 73.73% | 98th pctl | 1 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |